Federal credit union · HURON, South Dakota · NCUA charter #7599
Huron Area Education
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $18.1M
- Total assets
- 859
- Members
- 12.3%
- Net-worth ratio
Huron Area Education scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.1M; members 859; net-worth ratio 12.28%; health rank #941 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#941 of 4,374 health · 2025Q4Huron Area Education · health 91/100 · $18.1M · 2025Q4
Call Report peers
Huron Area Education in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Huron Area Education vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Huron Area Education sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Huron Area Education
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.15 pp (0.00% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.76 pp (56.04% vs 59.80%).
Where Huron Area Education sits in South Dakota
- In South Dakota, health place is #14 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, Huron Area Education is #26 of 33 in South Dakota.
- South Dakota membership ordinal: #30 of 33.
- One place up in South Dakota, Dakota Rail Line (#13) ties at 91/100; one place down, CONSUMER'S (#15) ties at 91/100.
Huron Area Education: 2025Q4 → 2026Q1
Huron Area Education: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $18.1M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.26% → 12.28%).
This credit union's 12.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Huron Area Education gives up 9 points in total. Member Growth costs the most, 5.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for Huron Area Education
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.28% | -2.58 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.29% | +0.58 pp |
| Member Growth | 0.12% | - |
| Loan-to-Share Ratio | 56.04% | -3.76 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Huron Area Education quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.5M | - |
| 2025Q4 | $18.1M | 859 |
| 2024Q4 | $17.3M | 858 |
| 2023Q4 | $15.5M | 871 |
Credit Union Details
- Charter Number
- 7599
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- HURON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Huron Area Education.
| Office | City |
|---|---|
| HAEFCU OFFICE (Main Office) | HURON, 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.
Cross-state Call Report peers for Huron Area Education
Similar total assets
Similar health score
Using this data
- Huron Area Education ranks #941 of 4,374 nationally on financial health and #14 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coteau Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coteau Valley
Frequently Asked Questions
Is Huron Area Education financially healthy?
Huron Area Education has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #941 of 4,374 nationally on health and #14 of 33 in South Dakota. Its net worth ratio is 12.28% and its delinquency rate 0.00%.
How does Huron Area Education compare to other credit unions?
Huron Area Education scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (56.04% vs 59.80%).
How can I join Huron Area Education?
Huron Area Education is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Huron Area Education directly to confirm eligibility.
Is my money safe at Huron Area Education?
Huron Area Education 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. Huron Area Education's net worth ratio of 12.28% 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.