Federal credit union · Gregory, South Dakota · NCUA charter #22719
CONSUMER'S
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $20.4M
- Total assets
- 1,600
- Members
- 9.1%
- Net-worth ratio
CONSUMER'S scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.4M; members 1,600; net-worth ratio 9.12%; health rank #1,009 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,009 of 4,374 health · 2025Q4CONSUMER'S · health 91/100 · $20.4M · 2025Q4
Call Report peers
CONSUMER'S in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CONSUMER'S vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CONSUMER'S sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CONSUMER'S: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.11% here, 1.15% peer average (-1.03 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.74 pp (9.12% vs 14.86%).
Where CONSUMER'S sits in South Dakota
- In South Dakota, health place is #15 of 33 on the same NCUA-ratio sort used nationally.
- South Dakota assets place: #24 of 33.
- South Dakota membership ordinal: #25 of 33.
- One place up in South Dakota, Huron Area Education (#14) ties at 91/100; one place down, Dakota Plains (#16) ties at 91/100.
Quarter path for CONSUMER'S
CONSUMER'S: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.6% from $20.4M (2025Q4) to $22.1M (2026Q1).
- Net-worth ratio shifted -0.55 pp (9.67% → 9.12%).
This credit union's 9.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
CONSUMER'S gives up 9 points in total. Loan-to-Share Ratio costs the most, 3.5 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 11.2 pts
CONSUMER'S health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.12% | -5.74 pp |
| Delinquency Rate | 0.11% | -1.03 pp |
| Return on Assets | 0.84% | +0.14 pp |
| Member Growth | 2.50% | - |
| Loan-to-Share Ratio | 54.67% | -5.13 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.1M | - |
| 2025Q4 | $20.4M | 1,600 |
| 2024Q4 | $19.1M | 1,561 |
| 2023Q4 | $18.1M | 1,534 |
Credit Union Details
- Charter Number
- 22719
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Gregory
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for CONSUMER'S.
| Office | City |
|---|---|
| Consumer's Federal Credit Union (Main Office) | Gregory, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Other-state peers near CONSUMER'S
Similar total assets
Using this data
- CONSUMER'S ranks #1,009 of 4,374 nationally on financial health and #15 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LAKOTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LAKOTA
Frequently Asked Questions
Is CONSUMER'S financially healthy?
On its 2025Q4 NCUA 5300 filing, CONSUMER'S scores 91/100 (Excellent), with a 9.12% net worth ratio and 0.11% of loans delinquent. It ranks #1,009 of 4,374 nationally on health and #15 of 33 in South Dakota.
How does CONSUMER'S compare to other credit unions?
CONSUMER'S scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.11% vs 1.15%). Its widest shortfall is net worth ratio (9.12% vs 14.86%).
How can I join CONSUMER'S?
CONSUMER'S 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 CONSUMER'S directly for the exact boundaries and application steps.
Is my money safe at CONSUMER'S?
CONSUMER'S 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. CONSUMER'S's net worth ratio of 9.12% 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.