Side-by-side · Q2 2026 data
Reliabank Dakota vs East River Federal Credit Union
Credit union
East River Federal Credit Union
Madison, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Reliabank Dakota | East River Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 71 |
| Capital cushion | 55 | 61 (stronger) |
| Loan quality | 91 (stronger) | 60 |
| Earnings | 75 (stronger) | 66 |
| Funding & liquidity | 48 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 47th | 42nd |
| Total assets | $788.4M | $41.9M |
| Deposits / shares | $663.6M | $37.1M |
| Capital ratio | 10.49% | 11.12% (stronger) |
| Problem loans | 0.26% (stronger) | 1.19% |
| Net charge-offs | 0.03% (stronger) | 0.48% |
| Return on assets | 1.37% (stronger) | 1.16% |
| Loans ÷ deposits | 79.1% | 42.6% (stronger) |
| Uninsured deposits | 44.7% | 0.8% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Reliabank Dakota leads on 3 and East River Federal Credit Union on 3. 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.