Federal credit union · Rapid City, South Dakota · NCUA charter #16444
Rushmore Electric
Health score 64/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 64
- Health / 100
- $28.7M
- Total assets
- 1,424
- Members
- 6.5%
- Net-worth ratio
Rushmore Electric - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16444. See our deposit-insurance coverage note.
Rushmore Electric - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)63
- Asset quality (delinquency)100
- Earnings (ROA)78
- Member growth0
- Liquidity (loan-to-share)57
Weighted composite: 64/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.50%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.50% | 30% |
| Delinquency Rate | 0.22% | 25% |
| Return on Assets | 0.28% | 15% |
| Member Growth | -5.82% | 15% |
| Loan-to-Share Ratio | 28.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Rushmore Electric
Charter #16444, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Rushmore Electric, a federal credit union in Rapid City, South Dakota with 1,424 members, $28.7M in total assets, and $7.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 64/100 (Good), helped by a net worth ratio of 6.50% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.22% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 28.62% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.28% on net income of $81K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.82%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in South Dakota
More federally-insured credit unions based in South Dakota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Rushmore Electric financially healthy?
A 6.50% net worth ratio and a 0.22% delinquency rate feed into Rushmore Electric's financial health score of 64/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Rushmore Electric compare to other credit unions?
On PlainCU's health composite, Rushmore Electric lands at 64/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like Rushmore Electric 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. Rushmore Electric's net worth ratio of 6.50% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Rushmore Electric offer compared to banks?
Credit unions like Rushmore Electric 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 Rushmore Electric directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.