Side-by-side · Q2 2026 data
Pioneer Bank & Trust vs Sentinel Federal Credit Union
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Pioneer Bank & Trust | Sentinel Federal Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 67 |
| Capital cushion | 66 (stronger) | 58 |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 80 (stronger) | 45 |
| Funding & liquidity | 75 | 84 (stronger) |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 91st | 41st |
| Total assets | $1.0B | $199.3M |
| Deposits / shares | $896.5M | $176.3M |
| Capital ratio | 11.61% (stronger) | 10.83% |
| Problem loans | 0.14% (stronger) | 0.71% |
| Net charge-offs | 0.13% (stronger) | 0.30% |
| Return on assets | 1.50% (stronger) | 0.62% |
| Loans ÷ deposits | 60.5% (stronger) | 76.4% |
| Uninsured deposits | 37.0% | 5.8% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 2.7% |
Pioneer Bank & Trust has the higher TellerScore (81 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank & Trust leads on 6 and Sentinel 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.