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
- CAMELS 93/100
- HEALTH 10.4%
- NW 0.91%
- DELQ 0.46%
- ROA $2.32B
- ASSETS 108,769
- MEM #668/4,374
- RANK Ithink Financial
- PHOTO 4365
Call Report peers
Black Hills in the assets neighbourhood
Black Hills's $2.32B assets sit next to Ithink Financial ($2.32B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Black Hills Call Report trajectory
Black Hills: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $2.32B (2025Q4) to $2.37B (2026Q1).
- Net-worth ratio shifted -0.13 pp (10.58% → 10.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Black Hills, both outside South Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.32B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #668 of 4,374; by total assets it ranks #226 of 4,374 nationally (same basis as /rankings/largest); and #1 of 33 within South Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.45% 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 10.45% 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.
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.