Side-by-side · Q2 2026 data
Service First Federal Credit Union vs Northern Hills Federal Credit Union
Credit union
Service First Federal Credit Union
Sioux Falls, South Dakota · $100 million – $1 billion
Credit union
Northern Hills Federal Credit Union
Sturgis, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Service First Federal Credit Union | Northern Hills Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 66 (stronger) |
| Capital cushion | 43 | 46 (stronger) |
| Loan quality | 69 | 90 (stronger) |
| Earnings | 53 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 88 | 93 (stronger) |
| Peer percentile | 34th | 37th |
| Total assets | $209.7M | $204.9M |
| Deposits / shares | $191.3M | $183.2M |
| Capital ratio | 9.29% | 9.57% (stronger) |
| Problem loans | 0.94% | 0.29% (stronger) |
| Net charge-offs | 0.46% | 0.40% (stronger) |
| Return on assets | 0.83% (stronger) | 0.79% |
| Loans ÷ deposits | 57.4% (stronger) | 94.4% |
| Uninsured deposits | 3.9% (stronger) | 9.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.4% | 17.9% |
Northern Hills Federal Credit Union has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Service First Federal Credit Union leads on 3 and Northern Hills Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.