Charter 10257 · Box Elder, SD
Sentinel Federal Credit Union
Sentinel Federal Credit Union is a federally chartered credit union in Box Elder, South Dakota, with $199 million in assets and 10,004 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.83%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $199 million
- +4.8% in a year
- Members
- 10,004
- +2.9% in a year
- Net worth ratio
- 10.83%
- Peer median 11.65%
- Loans 60+ days late
- 0.71%
- Peer median 0.70%
- Loans outstanding
- $135 million
- +20.7% in a year
- Shares and deposits
- $176 million
- +4.8% in a year
- Branches
- 8
- 54 employees
- Opened
- 1955
- Federal charter
How Sentinel Federal Credit Union compares
NCUA groups credit unions by size; Sentinel Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.83% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.71%, is about the same as the group median of 0.70%. Loans grew 20.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 10 of 33 credit unions headquartered in South Dakota. See all South Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $199 million | 10,004 | $135 million | 10.83% | 0.71% |
| Q1 2026 | $197 million | 9,857 | $126 million | 10.78% | 0.33% |
| Q4 2025 | $197 million | 9,834 | $121 million | 10.63% | 0.45% |
| Q3 2025 | $193 million | 9,798 | $114 million | 10.65% | 0.82% |
| Q2 2025 | $190 million | 9,721 | $112 million | 10.64% | 1.37% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 197,733 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Sentinel Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main (main office)
2723 Lemay Blvd, Ellsworth Afb, SD 57706 - Triple Crown
4011 Triple Crown Dr, Rapid City, SD 57701 - Haines
1430 Haines Ave Ste 101, Rapid City, SD 57701 - Winner
511 E 2Nd St, Winner, SD 57580 - Radar Hill Branch
22752 Mule Deer Trl, Box Elder, SD 57719 - Custer Office
18 Mount Rushmore Rd, Custer, SD 57730 - Hill CIty Office
553 E Main St, Hill City, SD 57745 - Liberty Branch
441 N Ellsworth Rd, Box Elder, SD 57719
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology