Side-by-side · Q2 2026 data
Independence Bank vs Daniels-Sheridan Federal Credit Union
Credit union
Daniels-Sheridan Federal Credit Union
Scobey, Montana · Under $100 million in assets
Metric by metric
| Measure | Independence Bank | Daniels-Sheridan Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 60 |
| Capital cushion | 84 (stronger) | 69 |
| Loan quality | 85 (stronger) | 50 |
| Earnings | 97 (stronger) | 25 |
| Funding & liquidity | 55 | 91 (stronger) |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 95th | 22nd |
| Total assets | $1.4B | $92.2M |
| Deposits / shares | $1.2B | $80.0M |
| Capital ratio | 13.39% (stronger) | 11.92% |
| Problem loans | 0.46% (stronger) | 1.51% |
| Net charge-offs | -0.00% (stronger) | 0.10% |
| Return on assets | 1.93% (stronger) | 0.13% |
| Loans ÷ deposits | 91.1% | 66.4% (stronger) |
| Uninsured deposits | 28.2% | 17.4% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Independence Bank has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Independence Bank leads on 5 and Daniels-Sheridan Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Scobey, MT