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
- ROA 78/100
- ASSETS 9.8%
- MEM 0.00%
- RANK 0.07%
- PHOTO $16.7M
- BOOK 1,565
- CHARTER #3,009/4,374
- NCUSIF Jefferson Community
- CAMELS 13103
Call Report peers
Palace City in the assets neighbourhood
Palace City's $16.7M assets sit next to Jefferson Community ($16.7M) 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.
Palace City 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
78 31st percentile higher than 31% 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
Palace City - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13103. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Palace City's 5300 filing moved
Palace City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.4% from $16.7M (2025Q4) to $16.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (9.61% → 9.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Palace City - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 Palace City financially healthy?
Palace City has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,009 of 4,374; by total assets it ranks #3,256 of 4,374 nationally (same basis as /rankings/largest); and #28 of 33 within South Dakota. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.80% and delinquency rate of 0.00%.
How does Palace City compare to other credit unions?
Palace City scores 78/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like Palace City 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. Palace City's net worth ratio of 9.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Palace City offer compared to banks?
Credit unions like Palace City 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 Palace City 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.