Federal credit union · STURGIS, South Dakota · NCUA charter #6986
Northern Hills
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $186.7M
- Total assets
- 12,288
- Members
- 9.8%
- Net-worth ratio
Northern Hills scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $186.7M; members 12,288; net-worth ratio 9.77%; health rank #127 of 4,374; healthier than 97th of scored peers.
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NCUA 5300 Call Report Masthead
#127 of 4,374 health · 2025Q4Northern Hills · health 98/100 · $186.7M · 2025Q4
Call Report peers
Northern Hills in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northern Hills vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northern Hills sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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 Northern Hills diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +18.80 pp (91.00% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.77% here, 12.11% peer average (-2.34 pp).
Where Northern Hills sits in South Dakota
- Health composite ranks #3 of 33 among scored South Dakota credit unions.
- Assets rank #10 of 33 inside South Dakota ($186.7M reported).
- Membership ranks #7 of 33 among South Dakota CUs with a reported count (12,288 members).
- One place up in South Dakota, DAKOTALAND (#2) ties at 98/100; one place down, AREA (#4) scores 95/100, 3 points lower.
Quarter path for Northern Hills
Northern Hills: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $186.7M (2025Q4) to $196.6M (2026Q1).
- Net-worth ratio shifted -0.30 pp (10.07% → 9.77%).
At 9.77%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Northern Hills gives up 2 points in total. Member Growth costs the most, 0.9 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 14.5 pts
Northern Hills health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.77% | -2.34 pp |
| Delinquency Rate | 0.45% | -0.44 pp |
| Return on Assets | 0.64% | +0.02 pp |
| Member Growth | 4.24% | - |
| Loan-to-Share Ratio | 91.00% | +18.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Northern Hills filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $196.6M | - |
| 2025Q4 | $186.7M | 12,288 |
| 2024Q4 | $166.7M | 11,788 |
| 2023Q4 | $152.0M | 11,227 |
Credit Union Details
- Charter Number
- 6986
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- South Dakota
- City
- STURGIS
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Northern Hills, spread across 5 cities.
| Office | City |
|---|---|
| NHFCU01 (Main Office) | STURGIS, SD |
| NHFCU06 | Belle Fourche, SD |
| NHFCU05 | Deadwood, SD |
| NHFCU04 | Fort Meade, SD |
| NHFCU03 | SPEARFISH, 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.
Cross-state Call Report peers for Northern Hills
Similar total assets
Similar health score
Using this data
- Northern Hills ranks #127 of 4,374 nationally on financial health and #3 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AREA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AREA
Frequently Asked Questions
Is Northern Hills financially healthy?
Northern Hills has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #127 of 4,374 nationally on health and #3 of 33 in South Dakota. Its net worth ratio is 9.77% and its delinquency rate 0.45%.
How does Northern Hills compare to other credit unions?
Northern Hills scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.00% vs 72.20%). Its widest shortfall is net worth ratio (9.77% vs 12.11%).
How can I join Northern Hills?
Northern Hills 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 Northern Hills directly for the exact boundaries and application steps.
Is my money safe at Northern Hills?
Northern Hills 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. Northern Hills's net worth ratio of 9.77% 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.