Federal credit union · Rapid City, South Dakota · NCUA charter #4365
Black Hills
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $2.32B
- Total assets
- 108,769
- Members
- 10.4%
- Net-worth ratio
Black Hills scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.32B; members 108,769; net-worth ratio 10.45%; health rank #668 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#668 of 4,374 health · 2025Q4Black Hills · health 93/100 · $2.32B · 2025Q4
Call Report peers
Black Hills in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Black Hills vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Black Hills sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 Black Hills diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 80.23% here, 83.90% peer average (-3.67 pp).
Where Black Hills sits in South Dakota
- South Dakota health ordinal: #7 of 33.
- By total assets, Black Hills is #1 of 33 in South Dakota.
- Membership ranks #1 of 33 among South Dakota CUs with a reported count (108,769 members).
- One place up in South Dakota, LAKOTA (#6) ties at 93/100; one place down, Coteau Valley (#8) ties at 93/100.
Black Hills Call Report trajectory
Black Hills: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $2.32B (2025Q4) to $2.37B (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.58% → 10.45%).
This credit union's 10.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Black Hills gives up 7 points in total. Delinquency Rate costs the most, 4.1 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 14.4 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for Black Hills
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.45% | -0.73 pp |
| Delinquency Rate | 0.91% | +0.04 pp |
| Return on Assets | 0.46% | -0.05 pp |
| Member Growth | 2.71% | - |
| Loan-to-Share Ratio | 80.23% | -3.67 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.37B | - |
| 2025Q4 | $2.32B | 108,769 |
| 2024Q4 | $2.30B | 105,901 |
| 2023Q4 | $2.32B | 99,736 |
Credit Union Details
- Charter Number
- 4365
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- South Dakota
- City
- Rapid City
- Data Quarter
- 2025Q4
Branch Locations (21)
The NCUA branch filing lists 21 physical offices for Black Hills, spread across 11 cities in 2 states.
| Office | City |
|---|---|
| Corporate (Main Office) | Rapid City, SD |
| Billings Member Service Center | Billings, MT |
| Billings - Shiloh | Billings, MT |
| Box Elder Branch | Box Elder, SD |
| Custer Member Service Center | Custer, SD |
| Cheyenne River Member Service Center | Eagle Butte, SD |
| Hot Springs Member Service Center | Hot Springs, SD |
| Pierre Member Service Center | Pierre, SD |
| Downtown Member Service Center | Rapid City, SD |
| East North Member Service Center | Rapid City, SD |
| Elk Vale Member Service Center | Rapid City, SD |
| Plaza Drive Member Service Center | Rapid City, SD |
| Mountain View Member Service Center | Rapid City, SD |
| 5th & Minnesota Member Service Center | Rapid City, SD |
| Marion Road - Sioux Falls | Sioux Falls, SD |
| 41st Street - Sioux Falls | Sioux Falls, SD |
| 10th Street | Sioux Falls, SD |
| E. 10th - Sioux Falls | Sioux Falls, SD |
| Spearfish Member Service Center | Spearfish, SD |
| Sturgis Member Service Center | Sturgis, SD |
| WALL MEMBER SERVICE CENTER | WALL, 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.
Other-state peers near Black Hills
Using this data
- Black Hills ranks #668 of 4,374 nationally on financial health and #7 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DAKOTALAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DAKOTALAND
Frequently Asked Questions
Is Black Hills financially healthy?
Black Hills has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #668 of 4,374 nationally on health and #7 of 33 in South Dakota. Its net worth ratio is 10.45% and its delinquency rate 0.91%.
How does Black Hills compare to other credit unions?
Black Hills scores 93/100, higher than 84% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (80.23% vs 83.90%).
How can I join Black Hills?
Black Hills 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 Black Hills directly for the exact boundaries and application steps.
Is my money safe at Black Hills?
Black Hills 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. Black Hills's net worth ratio of 10.45% 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.