Sentinel
Box Elder, SD · Charter 10257 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$199.3MAssets
$134.7MLoans
$176.3MShares
$21.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 69% of credit unions under $1B in assets (rank 514 of 1683).
- Widest gap: equity / assets trails 71% of credit unions under $1B in assets (rank 1189 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.62%
Rank 992 of 1,683
Net Interest Margin
4.20%
Rank 514 of 1,683
Efficiency Ratio
83.18%
Rank 1,098 of 1,682
Equity / Assets
10.83%
Rank 1,189 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 992 / 1,683 | |
| Return on Equity | 5.70% | 2.67% | 5.89% | 8.74% | Beats 48% | 874 / 1,681 | |
| Net Interest Margin | 4.20% | 3.31% | 3.82% | 4.32% | Beats 69% | 514 / 1,683 | |
| Efficiency Ratio | 83.18% | 68.91% | 78.20% | 86.93% | Beats 35% | 1,098 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.71% | 0.26% | 0.65% | 1.29% | Beats 48% | 882 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.83% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,189 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.83% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,189 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.41% | 52.61% | 69.38% | 83.50% | 62nd pctl | 634 / 1,683 | |
| Loans / Assets | 67.58% | 44.71% | 59.18% | 70.72% | 68th pctl | 540 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |