Side-by-side · Q2 2026 data
Highmark Federal Credit Union vs Northern Hills Federal Credit Union
Credit union
Highmark Federal Credit Union
Rapid City, South Dakota · $100 million – $1 billion
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Highmark Federal Credit Union | Northern Hills Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 66 (stronger) |
| Capital cushion | 27 | 46 (stronger) |
| Loan quality | 52 | 90 (stronger) |
| Earnings | 34 | 52 (stronger) |
| Funding & liquidity | 78 (stronger) | 66 |
| Problem-loan coverage | 67 | 93 (stronger) |
| Peer percentile | 3rd | 37th |
| Total assets | $257.8M | $204.9M |
| Deposits / shares | $235.1M | $183.2M |
| Capital ratio | 7.67% | 9.57% (stronger) |
| Problem loans | 1.43% | 0.29% (stronger) |
| Net charge-offs | 0.71% | 0.40% (stronger) |
| Return on assets | 0.36% | 0.79% (stronger) |
| Loans ÷ deposits | 82.1% (stronger) | 94.4% |
| Uninsured deposits | 11.3% | 9.5% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 17.9% |
Northern Hills Federal Credit Union has the higher TellerScore (66 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Highmark Federal Credit Union leads on 1 and Northern Hills Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.