Side-by-side · Q2 2026 data
Service First Federal Credit Union vs Highmark Federal Credit Union
Credit union
Service First Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Credit union
Highmark Federal Credit Union
Rapid City, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Service First Federal Credit Union | Highmark Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 46 |
| Capital cushion | 43 (stronger) | 27 |
| Loan quality | 69 (stronger) | 52 |
| Earnings | 53 (stronger) | 34 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 88 (stronger) | 67 |
| Peer percentile | 34th | 3rd |
| Total assets | $209.7M | $257.8M |
| Deposits / shares | $191.3M | $235.1M |
| Capital ratio | 9.29% (stronger) | 7.67% |
| Problem loans | 0.94% (stronger) | 1.43% |
| Net charge-offs | 0.46% (stronger) | 0.71% |
| Return on assets | 0.83% (stronger) | 0.36% |
| Loans ÷ deposits | 57.4% (stronger) | 82.1% |
| Uninsured deposits | 3.9% (stronger) | 11.3% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 0.0% |
Service First Federal Credit Union has the higher TellerScore (65 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Service First Federal Credit Union leads on 7 and Highmark Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.