Federal credit union · BOX ELDER, South Dakota · NCUA charter #10257
SENTINEL
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $197.2M
- Total assets
- 9,834
- Members
- 10.8%
- Net-worth ratio
SENTINEL scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $197.2M; members 9,834; net-worth ratio 10.78%; health rank #120 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#120 of 4,374 health · 2025Q4SENTINEL · health 98/100 · $197.2M · 2025Q4
Call Report peers
SENTINEL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SENTINEL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SENTINEL sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where SENTINEL diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.44 pp (0.45% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -2.72 pp (69.48% vs 72.20%).
South Dakota standing for SENTINEL
- South Dakota health ordinal: #1 of 33.
- By total assets, SENTINEL is #8 of 33 in South Dakota.
- Member book place in South Dakota: #10 of 33.
- No South Dakota credit union scores higher; the runner-up, DAKOTALAND (#2) ties at 98/100.
SENTINEL Call Report trajectory
SENTINEL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $197.2M (2025Q4) to $197.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.63% → 10.78%).
This credit union's 10.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
SENTINEL gives up 2 points in total. Member Growth costs the most, 2.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.1 pts
SENTINEL health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.78% | -1.33 pp |
| Delinquency Rate | 0.45% | -0.44 pp |
| Return on Assets | 0.89% | +0.27 pp |
| Member Growth | 3.21% | - |
| Loan-to-Share Ratio | 69.48% | -2.72 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SENTINEL quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $197.0M | - |
| 2025Q4 | $197.2M | 9,834 |
| 2024Q4 | $189.1M | 9,528 |
| 2023Q4 | $164.8M | 9,362 |
Credit Union Details
- Charter Number
- 10257
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- BOX ELDER
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, SENTINEL runs 8 offices in 6 different cities.
| Office | City |
|---|---|
| Main (Main Office) | Ellsworth AFB, SD |
| Radar Hill Branch | Box Elder, SD |
| Liberty Branch | Box Elder, SD |
| Custer Office | Custer, SD |
| Hill CIty Office | Hill City, SD |
| Triple Crown | Rapid City, SD |
| Haines | Rapid City, SD |
| Winner | Winner, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
A look at other South Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SENTINEL
Similar total assets
Similar health score
Using this data
- SENTINEL ranks #120 of 4,374 nationally on financial health and #1 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AREA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AREA
Frequently Asked Questions
Is SENTINEL financially healthy?
SENTINEL has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #120 of 4,374 nationally on health and #1 of 33 in South Dakota. Its net worth ratio is 10.78% and its delinquency rate 0.45%.
How does SENTINEL compare to other credit unions?
SENTINEL scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.45% vs 0.89%). Its widest shortfall is loan-to-share ratio (69.48% vs 72.20%).
How can I join SENTINEL?
SENTINEL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SENTINEL directly for the exact boundaries and application steps.
Is my money safe at SENTINEL?
SENTINEL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SENTINEL's net worth ratio of 10.78% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.