Side-by-side · Q2 2026 data
Pioneer Bank & Trust vs Black Hills Federal Credit Union
Credit union
Black Hills Federal Credit Union
Rapid City, South Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Pioneer Bank & Trust | Black Hills Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 63 |
| Capital cushion | 66 (stronger) | 56 |
| Loan quality | 95 (stronger) | 68 |
| Earnings | 80 (stronger) | 39 |
| Funding & liquidity | 75 | 83 (stronger) |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 91st | 33rd |
| Total assets | $1.0B | $2.4B |
| Deposits / shares | $896.5M | $2.1B |
| Capital ratio | 11.61% (stronger) | 10.56% |
| Problem loans | 0.14% (stronger) | 0.95% |
| Net charge-offs | 0.13% (stronger) | 0.50% |
| Return on assets | 1.50% (stronger) | 0.47% |
| Loans ÷ deposits | 60.5% (stronger) | 77.7% |
| Uninsured deposits | 37.0% | 14.3% (stronger) |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 27.1% |
Pioneer Bank & Trust has the higher TellerScore (81 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank & Trust leads on 6 and Black Hills Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rapid City, SD
- Spearfish, SD
- Sturgis, SD