Health Score
80/100
PlainCU 5-factor composite (NCUA 5300 Call Report)
Credit Union
BLACK HILLS
Health Score
80/100
Total Assets
$2.32B
Members
108,769
Rapid City, South Dakota
2026 data Public-data reference. official source
BLACK HILLS
Open-data reference.
80
Health Score
Excellent
Charter #
4365
NCUA-issued institution identifier
Source
NCUA
Quarterly 5300 Call Report — 2025Q4
BLACK HILLS — Share Insurance Coverage
Composite supervisory bracket and risk-based capital are read from the NCUA Call Report. Member shares above $250,000 per ownership category sit outside the federal NCUSIF envelope.
BLACK HILLS — Five Health Pillars
Each pillar is normalised onto a 0-100 scale so the bar lengths are directly comparable.
Health Pillars (0-100)
Net worth ratio vs. NCUA well-capitalized threshold 70.6%
At 10.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
$2.32B
Total Assets
108,769
Members
$1.67B
Total Loans
$2.08B
Total Deposits
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.58% | 30% |
| Delinquency Rate | 0.91% | 25% |
| Return on Assets | 0.00% | 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
BLACK HILLS is a federal credit union headquartered in Rapid City, South Dakota, serving 108,769 members with $2.32B in total assets and $1.67B in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 80/100 (Excellent), anchored by a net worth ratio of 10.58% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #4365 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality and earnings power round out the picture. The delinquency rate of 0.91% measures loans 60+ days past due against total loans outstanding — the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 80.23% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management.
Every deposit account at BLACK HILLS is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 2.71%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other/Community), and current deposit and loan rates should be verified directly with BLACK HILLS before opening any account or borrowing.
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Related Financial Data
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?
BLACK HILLS has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.58% and delinquency rate of 0.91%.
How does BLACK HILLS compare to other credit unions?
BLACK HILLS scores 80/100 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?
Membership eligibility for BLACK HILLS depends on its field of membership — currently: Other/Community. Credit unions typically require a common bond such as employer, location, or association membership. Contact BLACK HILLS directly for current membership requirements 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.