Federal credit union · Rapid City, South Dakota · NCUA charter #17224
ASPEN
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $164.5M
- Total assets
- 7,810
- Members
- 8.6%
- Net-worth ratio
ASPEN scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.5M; members 7,810; net-worth ratio 8.55%; health rank #861 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#861 of 4,374 health · 2025Q4ASPEN · health 92/100 · $164.5M · 2025Q4
Call Report peers
ASPEN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ASPEN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ASPEN sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ASPEN diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 97.51% vs peer 72.20% (+25.31 pp).
- Largest lag: Net Worth Ratio at 8.55% vs peer 12.11% (-3.56 pp).
ASPEN in South Dakota
- Health composite ranks #11 of 33 among scored South Dakota credit unions.
- By total assets, ASPEN is #11 of 33 in South Dakota.
- South Dakota membership ordinal: #12 of 33.
- One place up in South Dakota, BLUESTONE (#10) ties at 92/100; one place down, Ft Randall (#12) scores 91/100, 1 point lower.
ASPEN: 2025Q4 → 2026Q1
ASPEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $164.5M (2025Q4) to $167.2M (2026Q1).
- Net-worth ratio shifted +0.29 pp (8.26% → 8.55%).
8.55% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
ASPEN gives up 8 points in total. Net Worth Ratio costs the most, 3.6 of its 30; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 11.4 pts
Call Report ratios for ASPEN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.55% | -3.56 pp |
| Delinquency Rate | 0.34% | -0.55 pp |
| Return on Assets | 0.81% | +0.19 pp |
| Member Growth | 4.37% | - |
| Loan-to-Share Ratio | 97.51% | +25.31 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $167.2M | - |
| 2025Q4 | $164.5M | 7,810 |
| 2024Q4 | $145.5M | 7,483 |
| 2023Q4 | $131.4M | 7,216 |
Credit Union Details
- Charter Number
- 17224
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- Rapid City
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ASPEN.
| Office | City |
|---|---|
| Main Office (Main Office) | Rapid City, SD |
| West Branch | Rapid City, 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.
ASPEN nationwide neighbourhoods
Using this data
- ASPEN ranks #861 of 4,374 nationally on financial health and #11 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northern Hills is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northern Hills
Frequently Asked Questions
Is ASPEN financially healthy?
On its 2025Q4 NCUA 5300 filing, ASPEN scores 92/100 (Excellent), with a 8.55% net worth ratio and 0.34% of loans delinquent. It ranks #861 of 4,374 nationally on health and #11 of 33 in South Dakota.
How does ASPEN compare to other credit unions?
ASPEN scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (97.51% vs 72.20%). Its widest shortfall is net worth ratio (8.55% vs 12.11%).
How can I join ASPEN?
ASPEN 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 ASPEN directly for the exact boundaries and application steps.
Is my money safe at ASPEN?
ASPEN 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. ASPEN's net worth ratio of 8.55% 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.