Side-by-side · Q2 2026 data
Service First Federal Credit Union vs Area Federal Credit Union
Credit union
Service First Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Service First Federal Credit Union | Area Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 87 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 69 | 84 (stronger) |
| Earnings | 53 | 75 (stronger) |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 34th | 91st |
| Total assets | $209.7M | $199.9M |
| Deposits / shares | $191.3M | $165.1M |
| Capital ratio | 9.29% | 17.10% (stronger) |
| Problem loans | 0.94% | 0.47% (stronger) |
| Net charge-offs | 0.46% | 0.05% (stronger) |
| Return on assets | 0.83% | 1.37% (stronger) |
| Loans ÷ deposits | 57.4% (stronger) | 85.6% |
| Uninsured deposits | 3.9% (stronger) | 9.8% |
| Offices | 3 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | — |
Area Federal Credit Union has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Service First Federal Credit Union leads on 2 and Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.