Side-by-side · Q2 2026 data
Sandhills State Bank vs Pioneer Community Federal Credit Union
Credit union
Pioneer Community Federal Credit Union
Palisade, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Sandhills State Bank | Pioneer Community Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 95 (stronger) | 58 |
| Earnings | 81 (stronger) | 63 |
| Funding & liquidity | 59 | 72 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 40th | 57th |
| Total assets | $382.8M | $5.1M |
| Deposits / shares | $347.1M | $4.3M |
| Capital ratio | 8.42% | 16.01% (stronger) |
| Problem loans | 0.16% (stronger) | 1.25% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.52% (stronger) | 1.07% |
| Loans ÷ deposits | 79.3% (stronger) | 88.6% |
| Uninsured deposits | 34.6% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pioneer Community Federal Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Sandhills State Bank leads on 4 and Pioneer 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.