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
- BOOK 91/100
- CHARTER 12.3%
- NCUSIF 0.00%
- CAMELS 1.29%
- HEALTH $18.1M
- NW 859
- DELQ #941/4,374
- ROA Med Park
- ASSETS 7599
Call Report peers
Huron Area Education in the assets neighbourhood
Huron Area Education's $18.1M assets sit next to Med Park ($18.0M) 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.
Huron Area Education 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
91 Top 23% higher than 77% 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
Huron Area Education - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7599, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Huron Area Education: 2025Q4 → 2026Q1
Huron Area Education: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $18.1M (2025Q4) to $18.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (12.26% → 12.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Huron Area Education - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 Huron Area Education financially healthy?
A 12.28% net worth ratio and a 0.00% delinquency rate feed into Huron Area Education's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #941 of 4,374; by total assets it ranks #3,206 of 4,374 nationally (same basis as /rankings/largest); and #26 of 33 within South Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Huron Area Education compare to other credit unions?
PlainCU's health composite puts Huron Area Education at 91/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Huron Area Education 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. Huron Area Education's net worth ratio of 12.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Huron Area Education offer compared to banks?
Credit unions like Huron Area Education 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 Huron Area Education 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.