Federal credit union · RAPID CITY, South Dakota · NCUA charter #4122
HIGHMARK
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $258.9M
- Total assets
- 13,687
- Members
- 7.5%
- Net-worth ratio
HIGHMARK scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $258.9M; members 13,687; net-worth ratio 7.51%; health rank #3,372 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,372 of 4,374 health · 2025Q4HIGHMARK · health 74/100 · $258.9M · 2025Q4
- RANK 74/100
- PHOTO 7.5%
- BOOK 0.79%
- CHARTER -0.13%
- NCUSIF $258.9M
- CAMELS 13,687
- HEALTH #3,372/4,374
- NW SOMERSET
- DELQ 4122
Call Report peers
HIGHMARK in the assets neighbourhood
HIGHMARK's $258.9M assets sit next to SOMERSET ($259.0M) 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.
HIGHMARK 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
74 23rd percentile higher than 23% 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
HIGHMARK - Share Insurance Coverage
Charter #4122'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.
HIGHMARK vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 82.27% here, 72.20% peer average (+10.07 pp).
- Net Worth Ratio trails the peer set - 7.51% here, 12.11% peer average (-4.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where HIGHMARK sits in South Dakota
- Health composite ranks #31 of 33 among scored South Dakota credit unions.
- Assets rank #5 of 33 inside South Dakota ($258.9M reported).
- Membership ranks #6 of 33 among South Dakota CUs with a reported count (13,687 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.
HIGHMARK Call Report trajectory
HIGHMARK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $258.9M (2025Q4) to $260.1M (2026Q1).
- Net-worth ratio shifted -0.18 pp (7.69% → 7.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 23.8 pts
- Delinquency Rate 22.1 pts
- Return on Assets 3.3 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.7 pts
HIGHMARK vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.51% | -4.60 pp |
| Delinquency Rate | 0.79% | -0.11 pp |
| Return on Assets | -0.13% | -0.76 pp |
| Member Growth | 0.91% | - |
| Loan-to-Share Ratio | 82.27% | +10.07 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).
Call Report history - HIGHMARK
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $260.1M | - |
| 2025Q4 | $258.9M | 13,687 |
| 2024Q4 | $253.5M | 13,564 |
| 2023Q4 | $247.5M | 13,646 |
Credit Union Details
- Charter Number
- 4122
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- RAPID CITY
- Data Quarter
- 2025Q4
Branch Locations (5)
HIGHMARK operates 5 offices across 5 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Highmark Main Office (Main Office) | Rapid City, SD |
| Belle Fourche Branch | Belle Fourche, SD |
| Custer Branch | Custer, SD |
| Gillette Branch | Gillette, WY |
| Spearfish Branch | Spearfish, 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 HIGHMARK
HIGHMARK'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 ($258.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- HIGHMARK ranks #3,372 of 4,374 nationally on financial health and #31 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VOYAGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VOYAGE
- 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 HIGHMARK financially healthy?
HIGHMARK has a financial health score of 74/100 (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 #3,372 of 4,374; by total assets it ranks #1,116 of 4,374 nationally (same basis as /rankings/largest); and #5 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 7.51% and delinquency rate of 0.79%.
How does HIGHMARK compare to other credit unions?
On PlainCU's health composite, HIGHMARK lands at 74/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 HIGHMARK?
HIGHMARK 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 HIGHMARK directly for the exact boundaries and application steps.
Is my money safe at HIGHMARK?
Federal credit unions like HIGHMARK 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. HIGHMARK's net worth ratio of 7.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HIGHMARK offer compared to banks?
Credit unions like HIGHMARK 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 HIGHMARK 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.