Federal credit union · YANKTON, South Dakota · NCUA charter #14874
EXPLORERS
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $108.3M
- Total assets
- 9,037
- Members
- 9.4%
- Net-worth ratio
EXPLORERS scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $108.3M; members 9,037; net-worth ratio 9.44%; health rank #700 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#700 of 4,374 health · 2025Q4EXPLORERS · health 93/100 · $108.3M · 2025Q4
- CAMELS 93/100
- HEALTH 9.4%
- NW 0.50%
- DELQ 0.94%
- ROA $108.3M
- ASSETS 9,037
- MEM #700/4,374
- RANK KAIPERM
- PHOTO 14874
Call Report peers
EXPLORERS in the assets neighbourhood
EXPLORERS's $108.3M assets sit next to KAIPERM ($108.1M) 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.
EXPLORERS 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
93 Top 16% higher than 84% 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
EXPLORERS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14874: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where EXPLORERS diverges from peer averages
- Delinquency Rate leads the peer set - 0.50% here, 0.89% peer average (-0.39 pp).
- Largest lag: Loan-to-Share Ratio at 67.25% vs peer 72.20% (-4.95 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Dakota standing for EXPLORERS
- South Dakota health ordinal: #9 of 33.
- By total assets, EXPLORERS is #12 of 33 in South Dakota.
- Membership ranks #11 of 33 among South Dakota CUs with a reported count (9,037 members).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How EXPLORERS's 5300 filing moved
EXPLORERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $108.3M (2025Q4) to $112.6M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.70% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 13.9 pts
EXPLORERS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -2.67 pp |
| Delinquency Rate | 0.50% | -0.39 pp |
| Return on Assets | 0.94% | +0.32 pp |
| Member Growth | 1.22% | - |
| Loan-to-Share Ratio | 67.25% | -4.95 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).
EXPLORERS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $112.6M | - |
| 2025Q4 | $108.3M | 9,037 |
| 2024Q4 | $103.8M | 8,928 |
| 2023Q4 | $105.6M | 9,040 |
Credit Union Details
- Charter Number
- 14874
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- YANKTON
- Data Quarter
- 2025Q4
Branch Locations (4)
EXPLORERS operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Yankton (Main Office) | Yankton, SD |
| Parkston | Parkston, SD |
| Springfield | Springfield, SD |
| Tea | Tea, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
A look at other South Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near EXPLORERS
EXPLORERS'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 ($108.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- EXPLORERS ranks #700 of 4,374 nationally on financial health and #9 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASPEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASPEN
- 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 EXPLORERS financially healthy?
EXPLORERS has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #700 of 4,374; by total assets it ranks #1,758 of 4,374 nationally (same basis as /rankings/largest); and #12 of 33 within South Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.44% and delinquency rate of 0.50%.
How does EXPLORERS compare to other credit unions?
93/100 is EXPLORERS's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 EXPLORERS?
EXPLORERS 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 EXPLORERS directly for the exact boundaries and application steps.
Is my money safe at EXPLORERS?
Federal credit unions like EXPLORERS 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. EXPLORERS's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EXPLORERS offer compared to banks?
Credit unions like EXPLORERS 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 EXPLORERS 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.