Federal credit union · Mitchell, South Dakota · NCUA charter #13103
Palace City
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $16.7M
- Total assets
- 1,565
- Members
- 9.8%
- Net-worth ratio
Palace City scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.7M; members 1,565; net-worth ratio 9.80%; health rank #3,009 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,009 of 4,374 health · 2025Q4Palace City · health 78/100 · $16.7M · 2025Q4
Call Report peers
Palace City in the assets neighbourhood
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Palace City vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Palace City sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Palace City diverges from peer averages
- 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: -12.65 pp (47.15% vs 59.80%).
Where Palace City sits in South Dakota
- South Dakota health ordinal: #26 of 33.
- Assets rank #28 of 33 inside South Dakota ($16.7M reported).
- Member book place in South Dakota: #26 of 33.
- One place up in South Dakota, AVANTI (#25) scores 81/100, 3 points higher; one place down, East River (#27) scores 77/100, 1 point lower.
How Palace City's 5300 filing moved
Palace City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.4% from $16.7M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (9.61% → 9.80%).
9.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Palace City gives up 22 points in total. Member Growth costs the most, 9.5 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 7.5 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 10.5 pts
Call Report ratios for Palace City
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.80% | -5.06 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.07% | -0.64 pp |
| Member Growth | -1.94% | - |
| Loan-to-Share Ratio | 47.15% | -12.65 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Palace City filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.4M | - |
| 2025Q4 | $16.7M | 1,565 |
| 2024Q4 | $16.5M | 1,596 |
| 2023Q4 | $14.6M | 1,611 |
Credit Union Details
- Charter Number
- 13103
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Mitchell
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Palace City, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Palace City Federal Credit Union (Main Office) | Mitchell, SD |
| VisiFi | HOOVER, AL |
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 Palace City
Using this data
- Palace City ranks #3,009 of 4,374 nationally on financial health and #26 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
Frequently Asked Questions
Is Palace City financially healthy?
Palace City has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,009 of 4,374 nationally on health and #26 of 33 in South Dakota. Its net worth ratio is 9.80% and its delinquency rate 0.00%.
How does Palace City compare to other credit unions?
Palace City scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.00% vs 1.15%). Its widest shortfall is loan-to-share ratio (47.15% vs 59.80%).
How can I join Palace City?
Palace City 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 Palace City directly for the current list of qualifying groups.
Is my money safe at Palace City?
Palace City 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. Palace City's net worth ratio of 9.80% 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.