Side-by-side · Q2 2026 data
Security State Bank vs Palace City Federal Credit Union
Credit union
Palace City Federal Credit Union
Mitchell, South Dakota · Under $100 million in assets
Metric by metric
| Measure | Security State Bank | Palace City Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 72 (stronger) |
| Capital cushion | 32 | 49 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 40 (stronger) | 37 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 47 | 100 (stronger) |
| Peer percentile | 1st | 44th |
| Total assets | $103.0M | $16.5M |
| Deposits / shares | $95.6M | $14.7M |
| Capital ratio | 8.24% | 9.92% (stronger) |
| Problem loans | 3.72% | 0.01% (stronger) |
| Net charge-offs | 1.17% | -0.04% (stronger) |
| Return on assets | 0.49% (stronger) | 0.43% |
| Loans ÷ deposits | 56.1% | 44.3% (stronger) |
| Uninsured deposits | 20.6% | 1.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Palace City Federal Credit Union has the higher TellerScore (72 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank leads on 1 and Palace City Federal Credit Union on 6. 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.