Side-by-side · Q2 2026 data
Pioneer Bank & Trust vs Dakota Star Federal Credit Union
Credit union
Dakota Star Federal Credit Union
Rapid City, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Pioneer Bank & Trust | Dakota Star Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 64 |
| Capital cushion | 66 (stronger) | 40 |
| Loan quality | 95 (stronger) | 69 |
| Earnings | 80 (stronger) | 67 |
| Funding & liquidity | 75 | 87 (stronger) |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 91st | 28th |
| Total assets | $1.0B | $44.9M |
| Deposits / shares | $896.5M | $40.4M |
| Capital ratio | 11.61% (stronger) | 9.00% |
| Problem loans | 0.14% (stronger) | 0.93% |
| Net charge-offs | 0.13% (stronger) | 0.18% |
| Return on assets | 1.50% (stronger) | 1.17% |
| Loans ÷ deposits | 60.5% (stronger) | 72.6% |
| Uninsured deposits | 37.0% | 15.3% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Pioneer Bank & Trust has the higher TellerScore (81 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank & Trust leads on 6 and Dakota Star Federal Credit Union on 1. 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.