Federal credit union · ABERDEEN, South Dakota · NCUA charter #274
AREA
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $196.3M
- Total assets
- 11,726
- Members
- 16.7%
- Net-worth ratio
AREA scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $196.3M; members 11,726; net-worth ratio 16.72%; health rank #324 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#324 of 4,374 health · 2025Q4AREA · health 95/100 · $196.3M · 2025Q4
Call Report peers
AREA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AREA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AREA sits in 95-99 with 391 others.
95 Top 10% higher than 90% 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 AREA diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.62 pp (81.82% vs 72.20%).
Where AREA sits in South Dakota
- In South Dakota, health place is #4 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #9 of 33 inside South Dakota ($196.3M reported).
- Member book place in South Dakota: #8 of 33.
- One place up in South Dakota, Northern Hills (#3) scores 98/100, 3 points higher; one place down, NORSTAR (#5) ties at 95/100.
AREA: 2025Q4 → 2026Q1
AREA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $196.3M (2025Q4) to $200.2M (2026Q1).
- Net-worth ratio shifted +0.00 pp (16.72% → 16.72%).
This credit union's 16.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
AREA gives up 5 points in total. Member Growth costs the most, 4.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.0 pts
AREA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.72% | +4.61 pp |
| Delinquency Rate | 0.55% | -0.34 pp |
| Return on Assets | 1.10% | +0.48 pp |
| Member Growth | 1.23% | - |
| Loan-to-Share Ratio | 81.82% | +9.62 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $200.2M | - |
| 2025Q4 | $196.3M | 11,726 |
| 2024Q4 | $183.9M | 11,584 |
| 2023Q4 | $172.6M | 11,599 |
Credit Union Details
- Charter Number
- 274
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- ABERDEEN
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for AREA, spread across 2 cities.
| Office | City |
|---|---|
| Area Federal Credit Union (Main Office) | ABERDEEN, SD |
| Watertown Temporary Branch | Watertown, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
AREA nationwide neighbourhoods
Using this data
- AREA ranks #324 of 4,374 nationally on financial health and #4 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SENTINEL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SENTINEL
Frequently Asked Questions
Is AREA financially healthy?
On its 2025Q4 NCUA 5300 filing, AREA scores 95/100 (Excellent), with a 16.72% net worth ratio and 0.55% of loans delinquent. It ranks #324 of 4,374 nationally on health and #4 of 33 in South Dakota.
How does AREA compare to other credit unions?
AREA scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.82% vs 72.20%).
How can I join AREA?
AREA 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 AREA directly for the exact boundaries and application steps.
Is my money safe at AREA?
AREA 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. AREA's net worth ratio of 16.72% 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.