Federal credit union · Pierre, South Dakota · NCUA charter #10243
OAHE
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $44.3M
- Total assets
- 3,598
- Members
- 15.8%
- Net-worth ratio
OAHE scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.3M; members 3,598; net-worth ratio 15.85%; health rank #1,209 of 4,374; healthier than 69th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,209 of 4,374 health · 2025Q4OAHE · health 89/100 · $44.3M · 2025Q4
Call Report peers
OAHE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
OAHE vs every NCUA-scored credit union
OAHE sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
OAHE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 63.73% here, 59.80% peer average (+3.93 pp).
OAHE: in-state Call Report ranks
- In South Dakota, health place is #19 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #17 of 33 inside South Dakota ($44.3M reported).
- Member book place in South Dakota: #16 of 33.
- One place up in South Dakota, LEVO (#18) scores 90/100, 1 point higher; one place down, Healthcare Plus (#20) scores 85/100, 4 points lower.
OAHE: 2025Q4 → 2026Q1
OAHE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $44.3M (2025Q4) to $45.0M (2026Q1).
- Net-worth ratio shifted +0.11 pp (15.74% → 15.85%).
At 15.85%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
OAHE gives up 11 points in total. Member Growth costs the most, 5.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.9 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.3 pts
OAHE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.85% | +0.99 pp |
| Delinquency Rate | 0.91% | -0.23 pp |
| Return on Assets | 2.03% | +1.33 pp |
| Member Growth | 0.64% | - |
| Loan-to-Share Ratio | 63.73% | +3.93 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - OAHE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.0M | - |
| 2025Q4 | $44.3M | 3,598 |
| 2024Q4 | $39.1M | 3,575 |
| 2023Q4 | $38.4M | 3,465 |
Credit Union Details
- Charter Number
- 10243
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Pierre
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for OAHE.
| Office | City |
|---|---|
| Oahe Federal Credit Union (Main Office) | Pierre, SD |
| American Bank & Trust | Pierre, 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.
Other-state peers near OAHE
Similar total assets
Similar health score
Using this data
- OAHE ranks #1,209 of 4,374 nationally on financial health and #19 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ft Randall is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ft Randall
Frequently Asked Questions
Is OAHE financially healthy?
On its 2025Q4 NCUA 5300 filing, OAHE scores 89/100 (Excellent), with a 15.85% net worth ratio and 0.91% of loans delinquent. It ranks #1,209 of 4,374 nationally on health and #19 of 33 in South Dakota.
How does OAHE compare to other credit unions?
OAHE scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (63.73% vs 59.80%).
How can I join OAHE?
OAHE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact OAHE directly for the current list of qualifying groups.
Is my money safe at OAHE?
OAHE 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. OAHE's net worth ratio of 15.85% 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.