Federal credit union · Rapid City, South Dakota · NCUA charter #4365
Black Hills
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $2.32B
- Total assets
- 108,769
- Members
- 10.6%
- Net-worth ratio
Black Hills - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4365 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Black Hills - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)96
- Member growth82
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.58% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | 0.46% | 15% |
| Member Growth | 2.71% | 15% |
| Loan-to-Share Ratio | 80.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Black Hills
108,769 members and $2.32B in total assets sit behind Black Hills, a federal credit union in Rapid City, South Dakota, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $1.67B in outstanding loans as of Q4 2025 and a net worth ratio of 10.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #4365 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.91% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 80.23% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.46% on net income of $10.6M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Black Hills financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Black Hills's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.58% net worth ratio and 0.91% delinquency rate are the key drivers.
How does Black Hills compare to other credit unions?
Black Hills scores 93/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Black Hills 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. Black Hills's net worth ratio of 10.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Black Hills offer compared to banks?
Credit unions like Black Hills 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 Black Hills directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.