Federal credit union · Huron, South Dakota · NCUA charter #9888
Hb Telco
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $4.8M
- Total assets
- 781
- Members
- 8.7%
- Net-worth ratio
Hb Telco scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.8M; members 781; net-worth ratio 8.71%; health rank #3,612 of 4,374; healthier than 17th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,612 of 4,374 health · 2025Q4Hb Telco · health 70/100 · $4.8M · 2025Q4
- ASSETS 70/100
- MEM 8.7%
- RANK 0.00%
- PHOTO -0.83%
- BOOK $4.8M
- CHARTER 781
- NCUSIF #3,612/4,374
- CAMELS n/a
- HEALTH 9888
Call Report peers
Hb Telco carries $4.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hb Telco 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
70 17th percentile higher than 17% 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
Hb Telco - Share Insurance Coverage
Charter #9888'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.
Where Hb Telco diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 78.67% here, 63.60% peer average (+15.07 pp).
- Largest lag: Net Worth Ratio at 8.71% vs peer 19.06% (-10.35 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Hb Telco: in-state Call Report ranks
- South Dakota health ordinal: #32 of 33.
- South Dakota assets place: #33 of 33.
- Member book place in South Dakota: #32 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.
Quarter path for Hb Telco
Hb Telco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $4.8M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.46 pp (9.17% → 8.71%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.71%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 26.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.71% | -10.35 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.83% | -1.29 pp |
| Member Growth | -2.98% | - |
| Loan-to-Share Ratio | 78.67% | +15.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Hb Telco filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.9M | - |
| 2025Q4 | $4.8M | 781 |
| 2024Q4 | $4.8M | 805 |
| 2023Q4 | $5.2M | 912 |
Credit Union Details
- Charter Number
- 9888
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- South Dakota
- City
- Huron
- Data Quarter
- 2025Q4
Branch Locations (2)
Hb Telco operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HB Telco Federal Credit Union (Main Office) | Huron, SD |
| BRADFORD SCOTT CORP | FORT WAYNE, IN |
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 Hb Telco
Two NCUA Call Report peer sets for Hb Telco, both outside South Dakota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Hb Telco ranks #3,612 of 4,374 nationally on financial health and #32 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SISSETON-WAHPETON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SISSETON-WAHPETON
- 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 Hb Telco financially healthy?
Hb Telco has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,612 of 4,374; by total assets it ranks #3,904 of 4,374 nationally (same basis as /rankings/largest); and #33 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 8.71% and delinquency rate of 0.00%.
How does Hb Telco compare to other credit unions?
Five weighted metrics from NCUA filings produce Hb Telco's 70/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hb Telco?
Hb Telco 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 Hb Telco directly for the exact boundaries and application steps.
Is my money safe at Hb Telco?
Federal credit unions like Hb Telco 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. Hb Telco's net worth ratio of 8.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hb Telco offer compared to banks?
Credit unions like Hb Telco 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 Hb Telco 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.