Federal credit union · RAPID CITY, South Dakota · NCUA charter #14260
MINUTEMAN
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $15.6M
- Total assets
- 1,177
- Members
- 13.2%
- Net-worth ratio
MINUTEMAN scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.6M; members 1,177; net-worth ratio 13.24%; health rank #3,332 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,332 of 4,374 health · 2025Q4MINUTEMAN · health 74/100 · $15.6M · 2025Q4
Call Report peers
MINUTEMAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MINUTEMAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); MINUTEMAN sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
MINUTEMAN: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 81.26% here, 59.80% peer average (+21.46 pp).
- Net Worth Ratio trails the peer set - 13.24% here, 14.86% peer average (-1.62 pp).
Where MINUTEMAN sits in South Dakota
- Health composite ranks #30 of 33 among scored South Dakota credit unions.
- Assets rank #29 of 33 inside South Dakota ($15.6M reported).
- South Dakota membership ordinal: #29 of 33.
- One place up in South Dakota, Rushmore Electric (#29) scores 75/100, 1 point higher; one place down, HIGHMARK (#31) ties at 74/100.
Quarter path for MINUTEMAN
MINUTEMAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $15.6M (2025Q4) to $16.3M (2026Q1).
- Net-worth ratio shifted -0.37 pp (13.61% → 13.24%).
13.24% 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
MINUTEMAN gives up 26 points in total. Delinquency Rate costs the most, 16.2 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.8 pts
- Return on Assets 15.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for MINUTEMAN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | -1.62 pp |
| Delinquency Rate | 2.59% | +1.45 pp |
| Return on Assets | 1.03% | +0.33 pp |
| Member Growth | -1.92% | - |
| Loan-to-Share Ratio | 81.26% | +21.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MINUTEMAN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.3M | - |
| 2025Q4 | $15.6M | 1,177 |
| 2024Q4 | $15.0M | 1,200 |
| 2023Q4 | $15.5M | 1,316 |
Credit Union Details
- Charter Number
- 14260
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- RAPID CITY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for MINUTEMAN.
| Office | City |
|---|---|
| MINUTEMAN FCU (Main Office) | RAPID CITY, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- MINUTEMAN ranks #3,332 of 4,374 nationally on financial health and #30 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Palace City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Palace City
Frequently Asked Questions
Is MINUTEMAN financially healthy?
On its 2025Q4 NCUA 5300 filing, MINUTEMAN scores 74/100 (Very Good), with a 13.24% net worth ratio and 2.59% of loans delinquent. It ranks #3,332 of 4,374 nationally on health and #30 of 33 in South Dakota.
How does MINUTEMAN compare to other credit unions?
MINUTEMAN scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.26% vs 59.80%). Its widest shortfall is net worth ratio (13.24% vs 14.86%).
How can I join MINUTEMAN?
MINUTEMAN 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 MINUTEMAN directly for the exact boundaries and application steps.
Is my money safe at MINUTEMAN?
MINUTEMAN 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. MINUTEMAN's net worth ratio of 13.24% 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.