Side-by-side · Q2 2026 data
Sandhills State Bank vs Hemingford Community Federal Credit Union
Credit union
Hemingford Community Federal Credit Union
Hemingford, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Sandhills State Bank | Hemingford Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 (stronger) | 68 |
| Capital cushion | 34 | 51 (stronger) |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 81 (stronger) | 45 |
| Funding & liquidity | 59 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 40th | 36th |
| Total assets | $382.8M | $10.0M |
| Deposits / shares | $347.1M | $9.0M |
| Capital ratio | 8.42% | 10.14% (stronger) |
| Problem loans | 0.16% (stronger) | 0.55% |
| Net charge-offs | -0.02% (stronger) | 0.06% |
| Return on assets | 1.52% (stronger) | 0.63% |
| Loans ÷ deposits | 79.3% | 69.3% (stronger) |
| Uninsured deposits | 34.6% | 2.4% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Sandhills State Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Sandhills State Bank leads on 4 and Hemingford Community 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.