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
Call Report peers
EXPLORERS in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); EXPLORERS sits in 90-94 with 747 others.
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
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).
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).
- One place up in South Dakota, Coteau Valley (#8) ties at 93/100; one place down, BLUESTONE (#10) scores 92/100, 1 point lower.
How EXPLORERS's 5300 filing moved
EXPLORERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.0% from $108.3M (2025Q4) to $112.6M (2026Q1).
- Net-worth ratio shifted -0.26 pp (9.70% → 9.44%).
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
EXPLORERS gives up 7 points in total. Member Growth costs the most, 4.5 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is EXPLORERS financially healthy?
On its 2025Q4 NCUA 5300 filing, EXPLORERS scores 93/100 (Excellent), with a 9.44% net worth ratio and 0.50% of loans delinquent. It ranks #700 of 4,374 nationally on health and #9 of 33 in South Dakota.
How does EXPLORERS compare to other credit unions?
EXPLORERS scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.50% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.25% vs 72.20%).
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?
EXPLORERS 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. EXPLORERS's net worth ratio of 9.44% 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.