Federal credit union · Sioux Falls, South Dakota · NCUA charter #2874
BLUESTONE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $204.2M
- Total assets
- 11,697
- Members
- 9.4%
- Net-worth ratio
BLUESTONE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $204.2M; members 11,697; net-worth ratio 9.40%; health rank #851 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#851 of 4,374 health · 2025Q4BLUESTONE · health 92/100 · $204.2M · 2025Q4
Call Report peers
BLUESTONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BLUESTONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BLUESTONE 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
BLUESTONE vs $100M–$500M peers
- Return on Assets leads the peer set - 0.72% here, 0.62% peer average (+0.09 pp).
- Loan-to-Share Ratio trails the peer set - 68.23% here, 72.20% peer average (-3.97 pp).
BLUESTONE: in-state Call Report ranks
- South Dakota health ordinal: #10 of 33.
- By total assets, BLUESTONE is #7 of 33 in South Dakota.
- South Dakota membership ordinal: #9 of 33.
- One place up in South Dakota, EXPLORERS (#9) scores 93/100, 1 point higher; one place down, ASPEN (#11) ties at 92/100.
BLUESTONE: 2025Q4 → 2026Q1
BLUESTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $204.2M (2025Q4) to $212.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.19% → 9.40%).
This credit union's 9.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
BLUESTONE gives up 8 points in total. Delinquency Rate costs the most, 3.4 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 21.6 pts
- Return on Assets 15.0 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 14.3 pts
Call Report ratios for BLUESTONE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.40% | -2.71 pp |
| Delinquency Rate | 0.84% | -0.05 pp |
| Return on Assets | 0.72% | +0.09 pp |
| Member Growth | 3.01% | - |
| Loan-to-Share Ratio | 68.23% | -3.97 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
BLUESTONE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $212.6M | - |
| 2025Q4 | $204.2M | 11,697 |
| 2024Q4 | $192.3M | 11,355 |
| 2023Q4 | $178.0M | 11,236 |
Credit Union Details
- Charter Number
- 2874
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- Sioux Falls
- Data Quarter
- 2025Q4
Branch Locations (3)
BLUESTONE operates 3 offices in Sioux Falls, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Southwest Branch (Main Office) | Sioux Falls, SD |
| East Branch | Sioux Falls, SD |
| North Branch | Sioux Falls, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- BLUESTONE ranks #851 of 4,374 nationally on financial health and #10 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Service First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Service First
Frequently Asked Questions
Is BLUESTONE financially healthy?
BLUESTONE has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #851 of 4,374 nationally on health and #10 of 33 in South Dakota. Its net worth ratio is 9.40% and its delinquency rate 0.84%.
How does BLUESTONE compare to other credit unions?
BLUESTONE 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 return on assets (0.72% vs 0.62%). Its widest shortfall is loan-to-share ratio (68.23% vs 72.20%).
How can I join BLUESTONE?
BLUESTONE 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 BLUESTONE directly for the exact boundaries and application steps.
Is my money safe at BLUESTONE?
BLUESTONE 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. BLUESTONE's net worth ratio of 9.40% 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.