Side-by-side · Q2 2026 data
Security First Bank of North Dakota vs Railway Credit Union
Bank
Security First Bank of North Dakota
New Salem, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Security First Bank of North Dakota | Railway Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 80 (stronger) | 71 |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 95 (stronger) | 55 |
| Funding & liquidity | 65 | 76 (stronger) |
| Problem-loan coverage | 89 | 92 (stronger) |
| Peer percentile | 91st | 63rd |
| Total assets | $293.2M | $211.6M |
| Deposits / shares | $246.8M | $184.4M |
| Capital ratio | 12.99% (stronger) | 12.12% |
| Problem loans | 0.00% (stronger) | 0.50% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.86% (stronger) | 0.89% |
| Loans ÷ deposits | 92.6% | 83.8% (stronger) |
| Uninsured deposits | 17.8% | 6.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Security First Bank of North Dakota has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Security First Bank of North Dakota leads on 5 and Railway Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.