TellerScore

Sentinel Federal Credit Union is a federal credit union headquartered in Box Elder, South Dakota, in business for about 71 years. At the end of Q2 2026 it reported $199.3M in total assets and $176.3M in member shares and deposits, with 7 offices.

Sentinel Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 18th. Problem-loan coverage contributes the most (91/100, 4.5%); earnings contributes the least (45/100, 0.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Net worth ratio: 10.83%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity84/100
Loans ÷ shares: 76.4% · 5.8% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.55%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 67).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202467
Q4 202468
Q1 202574
Q2 202567
Q3 202571
Q4 202573
Q1 202671
Q2 202667
Net worth ratio
7.00%8.91%10.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.82%
Q3 202410.70%
Q4 202410.08%
Q1 202510.25%
Q2 202510.64%
Q3 202510.65%
Q4 202510.63%
Q1 202610.78%
Q2 202610.83%
Delinquent loans (60+ days)
0.33%0.85%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.98%
Q4 20240.86%
Q1 20250.75%
Q2 20251.37%
Q3 20250.82%
Q4 20250.45%
Q1 20260.33%
Q2 20260.71%
Return on assets
0.56%0.99%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.90%
Q4 20240.93%
Q1 20251.42%
Q2 20251.24%
Q3 20251.05%
Q4 20250.97%
Q1 20260.56%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$199.3M10.83%0.71%0.62%76.4%
Q1 202671$197.0M10.78%0.33%0.56%72.5%
Q4 202573$197.2M10.63%0.45%0.97%69.5%
Q3 202571$193.2M10.65%0.82%1.05%67.0%
Q2 202567$190.1M10.64%1.37%1.24%66.4%
Q1 202574$192.5M10.25%0.75%1.42%63.0%
Q4 202468$189.1M10.08%0.86%0.93%64.1%
Q3 202467$172.7M10.70%0.98%0.90%70.7%
Q2 202469$166.0M10.82%0.75%0.79%70.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.83%
41st
Problem loans0.71%
48th
Net charge-offs0.30%
58th
Return on assets0.62%
40th
Loans to deposits76.4%
49th
Uninsured deposits5.8%
52nd
Loan-loss reserves0.00%
50th
Texas ratio4.5%
45th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Area Federal Credit UnionCredit union Aberdeen, SD87 out of 100, Very strong$199.9M17.1%0.47%vs
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs
Bluestone Federal Credit UnionCredit union Sioux Falls, SD68 out of 100, Moderate$205.6M9.6%0.50%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Aspen Federal Credit UnionCredit union Rapid City, SD63 out of 100, Moderate$173.0M8.4%0.43%vs
Highmark Federal Credit UnionCredit union Rapid City, SD46 out of 100, Below average$257.8M7.7%1.43%vs

Deposit insurance

Is my money safe at Sentinel Federal Credit Union?

Yes. Sentinel Federal Credit Union is a federally insured credit union (NCUA charter #10257). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.8% of shares and deposits ($10.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Sentinel Federal Credit Union lists 7 offices in 5 cities. Most locations:

  • Box Elder, SD (2)
  • Rapid City, SD (2)
  • Custer, SD (1)
  • Ellsworth AFB, SD (1)
  • Winner, SD (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sentinel Federal Credit Union reported 42 home-loan applications under HMDA (LEI 549300SQN9E467RQOF48): 35 originated ($11,275,000 total), 1 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Sentinel Federal Credit Union
Type
Federal credit union
NCUA charter #
10257
RSSD ID
727183
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 700, Box Elder, SD 57719
Employees
54

Quick answers

Sentinel Federal Credit Union: common questions

Is Sentinel Federal Credit Union NCUA insured?

Yes. Sentinel Federal Credit Union is a federally insured credit union (NCUA charter #10257). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Sentinel Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Sentinel Federal Credit Union have?

7 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Box Elder

InstitutionScoreAssetsCapitalProblem loansCompare
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Black Hills Community Bank, N.A.Bank Rapid City, SD81 out of 100, Strong$489.7M12.4%0.00%vs
Pioneer Bank & TrustBank Belle Fourche, SD81 out of 100, Strong$1.0B11.6%0.14%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs