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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#127 of 4,374 health · 2025Q4Northern Hills · health 98/100 · $186.7M · 2025Q4
- ASSETS 98/100
- MEM 9.8%
- RANK 0.45%
- PHOTO 0.64%
- BOOK $186.7M
- CHARTER 12,288
- NCUSIF #127/4,374
- CAMELS P & G Mehoopany Employees
- HEALTH 6986
Call Report peers
Northern Hills in the assets neighbourhood
Northern Hills's $186.7M assets sit next to P & G Mehoopany Employees ($186.6M) 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.
Northern Hills 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
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
Northern Hills - Share Insurance Coverage
Charter #6986'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.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Northern Hills
Northern Hills: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.3% from $186.7M (2025Q4) to $196.6M (2026Q1).
- Net-worth ratio shifted -0.30 pp (10.07% → 9.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
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).
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
Northern Hills'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 ($186.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- 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 Northern Hills financially healthy?
A 9.77% net worth ratio and a 0.45% delinquency rate feed into Northern Hills's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #127 of 4,374; by total assets it ranks #1,322 of 4,374 nationally (same basis as /rankings/largest); and #10 of 33 within South Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northern Hills compare to other credit unions?
On PlainCU's health composite, Northern Hills lands at 98/100, 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 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?
Federal credit unions like Northern Hills 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. Northern Hills's net worth ratio of 9.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northern Hills offer compared to banks?
Credit unions like Northern Hills 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 Northern Hills 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.