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
Call Report peers
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
The busiest band is 85-89 (858 credit unions); Hb Telco sits in 70-74 with 317 others.
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
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).
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.
- One place up in South Dakota, HIGHMARK (#31) scores 74/100, 4 points higher; one place down, SISSETON-WAHPETON (#33) scores 41/100, 29 points lower.
Quarter path for Hb Telco
Hb Telco: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $4.8M (2025Q4) to $4.9M (2026Q1).
- Net-worth ratio shifted -0.46 pp (9.17% → 8.71%).
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
Hb Telco gives up 30 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Hb Telco financially healthy?
Hb Telco has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,612 of 4,374 nationally on health and #32 of 33 in South Dakota. Its net worth ratio is 8.71% and its delinquency rate 0.00%.
How does Hb Telco compare to other credit unions?
Hb Telco scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (78.67% vs 63.60%). Its widest shortfall is net worth ratio (8.71% vs 19.06%).
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?
Hb Telco 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. Hb Telco's net worth ratio of 8.71% 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.