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
- RANK 92/100
- PHOTO 9.4%
- BOOK 0.84%
- CHARTER 0.72%
- NCUSIF $204.2M
- CAMELS 11,697
- HEALTH #851/4,374
- NW Frontier Community
- DELQ 2874
Call Report peers
BLUESTONE in the assets neighbourhood
BLUESTONE's $204.2M assets sit next to Frontier Community ($204.6M) 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.
BLUESTONE 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
92 Top 20% higher than 80% 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
BLUESTONE - Share Insurance Coverage
Charter #2874's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
BLUESTONE: 2025Q4 → 2026Q1
BLUESTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $204.2M (2025Q4) to $212.6M (2026Q1).
- Net-worth ratio shifted +0.21 pp (9.19% → 9.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
BLUESTONE's nationwide photo peers by assets and by health score, excluding South Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($204.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 BLUESTONE financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - BLUESTONE'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 #851 of 4,374; by total assets it ranks #1,263 of 4,374 nationally (same basis as /rankings/largest); and #7 of 33 within South Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.40% net worth ratio and 0.84% delinquency rate are the key drivers.
How does BLUESTONE compare to other credit unions?
On PlainCU's health composite, BLUESTONE lands at 92/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like BLUESTONE 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. BLUESTONE's net worth ratio of 9.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BLUESTONE offer compared to banks?
Credit unions like BLUESTONE 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 BLUESTONE 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.