Side-by-side · Q2 2026 data
Pioneer Bank & Trust vs Northern Hills Federal Credit Union
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Bank & Trust | Northern Hills Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 66 |
| Capital cushion | 66 (stronger) | 46 |
| Loan quality | 95 (stronger) | 90 |
| Earnings | 80 (stronger) | 52 |
| Funding & liquidity | 75 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 91st | 37th |
| Total assets | $1.0B | $204.9M |
| Deposits / shares | $896.5M | $183.2M |
| Capital ratio | 11.61% (stronger) | 9.57% |
| Problem loans | 0.14% (stronger) | 0.29% |
| Net charge-offs | 0.13% (stronger) | 0.40% |
| Return on assets | 1.50% (stronger) | 0.79% |
| Loans ÷ deposits | 60.5% (stronger) | 94.4% |
| Uninsured deposits | 37.0% | 9.5% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 17.9% |
Pioneer Bank & Trust has the higher TellerScore (81 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank & Trust leads on 6 and Northern Hills Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.