Side-by-side · Q2 2026 data
Northern Hills Federal Credit Union vs Sentinel Federal Credit Union
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Northern Hills Federal Credit Union | Sentinel Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 67 (stronger) |
| Capital cushion | 46 | 58 (stronger) |
| Loan quality | 90 (stronger) | 76 |
| Earnings | 52 (stronger) | 45 |
| Funding & liquidity | 66 | 84 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 37th | 41st |
| Total assets | $204.9M | $199.3M |
| Deposits / shares | $183.2M | $176.3M |
| Capital ratio | 9.57% | 10.83% (stronger) |
| Problem loans | 0.29% (stronger) | 0.71% |
| Net charge-offs | 0.40% | 0.30% (stronger) |
| Return on assets | 0.79% (stronger) | 0.62% |
| Loans ÷ deposits | 94.4% | 76.4% (stronger) |
| Uninsured deposits | 9.5% | 5.8% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 2.7% |
Sentinel Federal Credit Union has the higher TellerScore (67 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Northern Hills Federal Credit Union leads on 2 and Sentinel Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.