State overview · Q4 2025

South Dakota Credit Unions

All 33 federally-insured credit unions in South Dakota, ranked by financial health, from NCUA 5300 Call Reports.

33
Credit unions
351K
Members
$6.0B
Combined assets
86/100
Avg health
33 CUs · avg health 86/100

South Dakota has 33 federally insured credit unions averaging 86/100 health on NCUA 5300 Call Report aggregates. Combined assets $6.0B; 25 score Excellent (80+). State leader: DAKOTALAND at 98/100.

  • Mean delinquency rank #5 of 52 (lower DQ better)
  • Mean ROA rank #11 of 52
  • Data vintage 2026-09-06

South Dakota vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

33 40th of 54 higher than 13 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How South Dakota's 33 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)25 CUsGood (60–79)7 CUsFair (40–59)1 CUsWeak (<40)0 CUs

South Dakota Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 33 federally insured credit unions in South Dakota, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.79%
National rank #5 of 52 · lower DQ better
Mean ROA
0.74%
National rank #11 of 52
Mean loan-to-share
72.1%
Mean net worth 12.6% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
38.5%
Tilted book, largest charter holds 25–50% of combined South Dakota CU assets · concentration rank #42 of 52 (lower share = more dispersed) · largest by assets on this board: Black Hills

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). South Dakota is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

South Dakota vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, South Dakota highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate South Dakota vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%SD - 12.58%, 0.791%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, South Dakota highlighted.

All Credit Unions in South Dakota

Credit Union Health
DAKOTALAND Huron 98
Northern Hills STURGIS 98
SENTINEL BOX ELDER 98
AREA ABERDEEN 95
NORSTAR Britton 95
Black Hills Rapid City 93
Coteau Valley SISSETON 93
EXPLORERS YANKTON 93
LAKOTA Kyle 93
ASPEN Rapid City 92
BLUESTONE Sioux Falls 92
CONSUMER'S Gregory 91
Dakota Plains Lemmon 91
Dakota Rail Line HURON 91
Ft Randall WAGNER 91
Huron Area Education HURON 91
LEVO Sioux Falls 90
M O Huron 90
OAHE Pierre 89
Healthcare Plus Aberdeen 85
DACOTAH Rapid City 84
VOYAGE Sioux Falls 84
Dakota Star RAPID CITY 83
AVANTI WATERTOWN 81
Sioux Valley Coop Watertown 81
Palace City Mitchell 78
East River Madison 77
Service First Sioux Falls 76
Rushmore Electric Rapid City 75
HIGHMARK RAPID CITY 74
MINUTEMAN RAPID CITY 74
Hb Telco Huron 70
SISSETON-WAHPETON Agency Village 41

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.

What This Data Says About Credit Unions in South Dakota

South Dakota is home to 33 federally-insured credit unions collectively serving 351K members with $6.0B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 86/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. DAKOTALAND of Huron currently leads the cohort with a health score of 98/100, while the full distribution spans 33 institutions ranked below.

The health distribution breaks into four bands: 25 credit unions score 80–100 (Excellent), 7 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across South Dakota's 33 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for South Dakota: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($6.0B here).

North Dakota $5.9B Arkansas $5.2B Nebraska $6.9B West Virginia $5.2B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (33 here).

Arizona 33 CUs District of Columbia 29 CUs New Mexico 37 CUs Idaho 26 CUs

Frequently Asked Questions

How many credit unions are in South Dakota?

There are 33 federally-insured credit unions in South Dakota as of Q4 2025, with a combined 351K members and $6.0B in total assets. That places South Dakota at #46 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, South Dakota ranks #5 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in South Dakota?

Based on NCUA Q4 2025 data, DAKOTALAND in Huron ranks highest in South Dakota with a health score of 98/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using South Dakota's data

  • DAKOTALAND in Huron is the healthiest scored credit union in South Dakota at 98/100 -- look up its full composite before assuming it fits your situation. View full profile
  • South Dakota's credit unions rank #5 of 52 nationally on delinquency rate (among the lowest) and #11 of 52 on return on assets (among the strongest) -- both factor into the health score above, but they can move independently. National health rankings
  • South Dakota ranks #5 of 54 by average health score and #46 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.