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
- MEM 98/100
- RANK 10.8%
- PHOTO 0.45%
- BOOK 0.89%
- CHARTER $197.2M
- NCUSIF 9,834
- CAMELS #120/4,374
- HEALTH AWAKON
- NW 10257
Call Report peers
SENTINEL in the assets neighbourhood
SENTINEL's $197.2M assets sit next to AWAKON ($197.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
SENTINEL - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10257. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SENTINEL Call Report trajectory
SENTINEL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $197.2M (2025Q4) to $197.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.63% → 10.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for SENTINEL - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($197.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SENTINEL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SENTINEL carries a financial health score of 98/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #120 of 4,374; by total assets it ranks #1,284 of 4,374 nationally (same basis as /rankings/largest); and #8 of 33 within South Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.78% net worth ratio and a 0.45% delinquency rate.
How does SENTINEL compare to other credit unions?
Five weighted metrics from NCUA filings produce SENTINEL's 98/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like SENTINEL are 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."
What rates does SENTINEL offer compared to banks?
Credit unions like SENTINEL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SENTINEL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.