Side-by-side · Q2 2026 data
Sentinel Federal Credit Union vs Explorers Federal Credit Union
Credit union
Sentinel Federal Credit Union
Box Elder, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Sentinel Federal Credit Union | Explorers Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 65 |
| Capital cushion | 58 (stronger) | 46 |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 45 (stronger) | 37 |
| Funding & liquidity | 84 | 91 (stronger) |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 41st | 34th |
| Total assets | $199.3M | $111.5M |
| Deposits / shares | $176.3M | $100.0M |
| Capital ratio | 10.83% (stronger) | 9.63% |
| Problem loans | 0.71% | 0.49% (stronger) |
| Net charge-offs | 0.30% | -0.01% (stronger) |
| Return on assets | 0.62% (stronger) | 0.41% |
| Loans ÷ deposits | 76.4% | 69.2% (stronger) |
| Uninsured deposits | 5.8% | 1.3% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Sentinel Federal Credit Union has the higher TellerScore (67 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Sentinel Federal Credit Union leads on 3 and Explorers Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.