Federal credit union · Rapid City, South Dakota · NCUA charter #16444
Rushmore Electric
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $28.7M
- Total assets
- 1,424
- Members
- 9.8%
- Net-worth ratio
Rushmore Electric scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.7M; members 1,424; net-worth ratio 9.79%; health rank #3,289 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,289 of 4,374 health · 2025Q4Rushmore Electric · health 75/100 · $28.7M · 2025Q4
Call Report peers
Rushmore Electric in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rushmore Electric vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rushmore Electric sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Rushmore Electric
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.92 pp (0.22% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.18 pp (28.62% vs 59.80%).
South Dakota standing for Rushmore Electric
- South Dakota health ordinal: #29 of 33.
- South Dakota assets place: #23 of 33.
- Member book place in South Dakota: #27 of 33.
- One place up in South Dakota, Service First (#28) scores 76/100, 1 point higher; one place down, MINUTEMAN (#30) scores 74/100, 1 point lower.
Quarter path for Rushmore Electric
Rushmore Electric: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $28.7M (2025Q4) to $29.2M (2026Q1).
- Net-worth ratio shifted +0.03 pp (9.76% → 9.79%).
At 9.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Rushmore Electric gives up 25 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.8 pts
Rushmore Electric health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.79% | -5.07 pp |
| Delinquency Rate | 0.22% | -0.92 pp |
| Return on Assets | 0.28% | -0.42 pp |
| Member Growth | -5.82% | - |
| Loan-to-Share Ratio | 28.62% | -31.18 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.2M | - |
| 2025Q4 | $28.7M | 1,424 |
| 2024Q4 | $24.0M | 1,512 |
| 2023Q4 | $23.2M | 1,494 |
Credit Union Details
- Charter Number
- 16444
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Rapid City
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Rushmore Electric runs one office.
| Office | City |
|---|---|
| Rushmore Electric FCU (Main Office) | Rapid City, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Other-state peers near Rushmore Electric
Using this data
- Rushmore Electric ranks #3,289 of 4,374 nationally on financial health and #29 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AVANTI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AVANTI
Frequently Asked Questions
Is Rushmore Electric financially healthy?
On its 2025Q4 NCUA 5300 filing, Rushmore Electric scores 75/100 (Very Good), with a 9.79% net worth ratio and 0.22% of loans delinquent. It ranks #3,289 of 4,374 nationally on health and #29 of 33 in South Dakota.
How does Rushmore Electric compare to other credit unions?
Rushmore Electric scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.22% vs 1.15%). Its widest shortfall is loan-to-share ratio (28.62% vs 59.80%).
How can I join Rushmore Electric?
Rushmore Electric 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 Rushmore Electric directly for the exact boundaries and application steps.
Is my money safe at Rushmore Electric?
Rushmore Electric 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. Rushmore Electric's net worth ratio of 9.79% 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.