Federal credit union · Madison, South Dakota · NCUA charter #11353
East River
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $40.0M
- Total assets
- 3,159
- Members
- 11.0%
- Net-worth ratio
East River scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.0M; members 3,159; net-worth ratio 10.98%; health rank #3,108 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,108 of 4,374 health · 2025Q4East River · health 77/100 · $40.0M · 2025Q4
Call Report peers
East River in the assets neighbourhood
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East River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); East River sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
East River: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.14 pp (1.01% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.74 pp (48.06% vs 59.80%).
East River: in-state Call Report ranks
- Health composite ranks #27 of 33 among scored South Dakota credit unions.
- South Dakota assets place: #21 of 33.
- Membership ranks #19 of 33 among South Dakota CUs with a reported count (3,159 members).
- One place up in South Dakota, Palace City (#26) scores 78/100, 1 point higher; one place down, Service First (#28) scores 76/100, 1 point lower.
East River: 2025Q4 → 2026Q1
East River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $40.0M (2025Q4) to $41.6M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.02% → 10.98%).
This credit union's 10.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
East River gives up 23 points in total. Member Growth costs the most, 12.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 14.4 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 10.3 pts
East River vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.98% | -3.88 pp |
| Delinquency Rate | 1.01% | -0.14 pp |
| Return on Assets | 0.46% | -0.24 pp |
| Member Growth | -3.75% | - |
| Loan-to-Share Ratio | 48.06% | -11.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.6M | - |
| 2025Q4 | $40.0M | 3,159 |
| 2024Q4 | $39.4M | 3,282 |
| 2023Q4 | $38.9M | 3,372 |
Credit Union Details
- Charter Number
- 11353
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Madison
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for East River.
| Office | City |
|---|---|
| East River FCU (Main Office) | Madison, 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.
Cross-state Call Report peers for East River
Similar total assets
Similar health score
Using this data
- East River ranks #3,108 of 4,374 nationally on financial health and #27 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sioux Valley Coop is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sioux Valley Coop
Frequently Asked Questions
Is East River financially healthy?
On its 2025Q4 NCUA 5300 filing, East River scores 77/100 (Very Good), with a 10.98% net worth ratio and 1.01% of loans delinquent. It ranks #3,108 of 4,374 nationally on health and #27 of 33 in South Dakota.
How does East River compare to other credit unions?
East River scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (1.01% vs 1.15%). Its widest shortfall is loan-to-share ratio (48.06% vs 59.80%).
How can I join East River?
East River 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 East River directly for the exact boundaries and application steps.
Is my money safe at East River?
East River 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. East River's net worth ratio of 10.98% 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.