Sentinel

BOX ELDER, SD · 1 · Charter #10257 · www.sentinelfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$197.2M
89th percentile
Members
9,834
68th percentile
Total loans
$121.2M
87th percentile
Total shares
$174.0M
90th percentile

Profitability

Return on assets
1.18%
61th percentile
Net interest margin
4.11%
75th percentile
Efficiency ratio
63.65%
48th percentile
Non-interest income ratio
16.03%
43th percentile

Capital & Risk

Net worth ratio
10.63%
30th percentile
Delinquency rate
0.45%
69th percentile
Net charge-off rate
0.33%
50th percentile
Loan-to-share
69.68%
53th percentile

Growth

Member growth YoY
3.21%
87th percentile
Asset growth YoY
4.29%
54th percentile
Loan growth YoY
12.04%
91th percentile
Share growth YoY
3.29%
49th percentile

Operations

Members / branch
1,229
4th percentile
Assets / member
$20,054
85th percentile
Field of membership penetration
4.97%
46th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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