States
Credit unions in South Dakota: the best and largest of 33, compared
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All 33 filers based in South Dakota, largest first. Sort them by what matters to you.
Credit unions by state, from the federal filings
South Dakota: credit unions that match
33
| Their members | 350K |
| Their assets | $6.18B |
| First on this sort | Black Hills Federal Credit Union |
| Credit union | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|
| Black Hills Federal Credit UnionRapid City | $2.38B | 110K | 10.56% | 0.95% | 20 | 4/5 |
| Dakotaland Federal Credit UnionHuron | $752M | 43K | 10.87% | 0.57% | 13 | 5/5 |
| Levo Federal Credit UnionSioux Falls | $516M | 33K | 11.50% | 1.49% | 8 | 3/5 |
| Voyage Federal Credit UnionSioux Falls | $285M | 20K | 10.03% | 0.83% | 5 | 4/5 |
| Highmark Federal Credit Union (Highmark Credit Union)Rapid City | $258M | 14K | 7.67% | 1.43% | 5 | 4/5 |
| Service First Federal Credit Union (CU Marketing Group LLC)Sioux Falls | $210M | 16K | 9.29% | 0.94% | 3 | 3/5 |
| Bluestone Federal Credit Union (Nugget, a division of Bluestone FCU)Sioux Falls | $206M | 12K | 9.57% | 0.50% | 4 | 5/5 |
| Northern Hills Federal Credit UnionSturgis | $205M | 13K | 9.57% | 0.29% | 5 | 5/5 |
| Area Federal Credit UnionAberdeen | $200M | 12K | 17.10% | 0.47% | 3 | 5/5 |
| Sentinel Federal Credit UnionEllsworth AFB | $199M | 10K | 10.83% | 0.71% | 8 | 4/5 |
NCUA Call Report, June 30, 2026. Delinquency: loans two or more months late, as a share of loans. Checks: our own five data checks, not an NCUA rating; membership rules are not in this file, so confirm them with the credit union. Everything you enter stays in this browser: nothing is sent or stored.
33 credit unions based in South Dakota filed 350K members and $6.18B in assets with the National Credit Union Administration for June 30, 2026. All 33 credit unions based in South Dakota hold federal charters. Black Hills Federal Credit Union in Rapid City holds $2.38B, far ahead of Dakotaland Federal Credit Union in Huron and Levo Federal Credit Union in Sioux Falls, and the top three reach 59.0%. Combined net worth, 10.83%, sits near the national 11.42%. Loans two months late or worse come to 0.88%, close to the national 0.96%. Each employee on file works out at 271 members, the 2nd lowest count. 17 filers report one branch or none, the 3rd highest share. Commercial loans without real estate reach 2.3%, and Norstar Federal Credit Union reports 19.6%. Offices by city: Sioux Falls (20), Rapid City (17), Huron (7), Custer (4), out of 41 places in 31 counties. Every South Dakota filer of a year ago is still on file. Latest charter: Lakota Federal Credit Union, 2012. The file does not say who may join any of them, or why a charter stopped filing.
Members and assets over 12 months
South Dakota: members, same charters
+0.38%
| Assets, same charters | +5.83% |
| Filers a year ago | 33 |
| Filers now | 33 |
Mergers count as growth for the credit union that absorbs another.
Filings read by Radif Partners · Editorial policy · Method and sources
Federal charters across a large, thin state
Outside presence is almost nil, 3 offices in all, so for many South Dakotans the table below is the whole market. Delinquency at 0.88% is below the national rate, and no filer reports under 7% on net worth. 18 report under $50 million. The filer count did not change in twelve months.
Highest net worth (over $100 million): Area FCU, 17.10%. Fewest late loans: Northern Hills FCU, 0.29%. Black Hills FCU leads on members, 110K, and branches, 20. Largest member change: Aspen FCU, +9.63%. Next by assets: Voyage FCU, Highmark FCU, Service First FCU, Bluestone FCU, Northern Hills FCU, Area FCU. Smallest: Sisseton-Wahpeton FCU, HB Telco FCU, Dakota Rail Line FCU. Minority depository flag: Lakota FCU, Sisseton-Wahpeton FCU. Largest outside presence: Interfaith FCU, from CA, 1 offices.
Area FCU (68.9%) leans most on vehicle loans, Dakotaland FCU (50.3%) on first-lien home loans, Bluestone FCU (3.6%) on cards. Oldest charters: Levo FCU, 1934; Service First FCU, 1934; Dakotaland FCU, 1935. Levo FCU lost the most members in percentage terms, -10.73%, among those over $10 million.
Rank among the 50 states and DC
| Measure | South Dakota | Rank | All filers |
|---|---|---|---|
| Vehicle loans, share of loans | 32.3% | 24th highest | 27.5% |
| First-lien home loans, share of loans | 30.2% | 20th lowest | 36.6% |
| Credit cards, share of loans | 2.4% | 20th lowest | 4.9% |
| Commercial loans without real estate, share of loans | 2.3% | 4th highest | 0.8% |
| Loans as a share of shares and deposits | 76.8% | 11th lowest | |
| Assets per member | $17,677 | 22nd highest | |
| Members per reported branch | 3,208 | 4th lowest | |
| Members per employee (full- and part-time) | 271 | 2nd lowest | |
| Filers with one branch or none | 51.5% | 3rd highest | |
| Three largest names, share of assets | 59.0% | 17th highest | |
| Fall in filer count over 12 months | 0.0% | Lowest | |
| Median year a charter opened | 1953 | 19th lowest |
The largest in South Dakota
| Credit union | City | Assets | Members | Net worth | Delinq. | Branches | Checks |
|---|---|---|---|---|---|---|---|
| Black Hills Federal Credit Union | Rapid City | $2.38B | 110K | 10.56% | 0.95% | 20 | 4/5 |
| Dakotaland Federal Credit Union | Huron | $752M | 43K | 10.87% | 0.57% | 13 | 5/5 |
| Levo Federal Credit Union | Sioux Falls | $516M | 33K | 11.50% | 1.49% | 8 | 3/5 |
| Voyage Federal Credit Union | Sioux Falls | $285M | 20K | 10.03% | 0.83% | 5 | 4/5 |
| Highmark Federal Credit Union (Highmark Credit Union) | Rapid City | $258M | 14K | 7.67% | 1.43% | 5 | 4/5 |
| Service First Federal Credit Union (CU Marketing Group LLC) | Sioux Falls | $210M | 16K | 9.29% | 0.94% | 3 | 3/5 |
| Bluestone Federal Credit Union (Nugget, a division of Bluestone FCU) | Sioux Falls | $206M | 12K | 9.57% | 0.50% | 4 | 5/5 |
| Northern Hills Federal Credit Union | Sturgis | $205M | 13K | 9.57% | 0.29% | 5 | 5/5 |
| Area Federal Credit Union | Aberdeen | $200M | 12K | 17.10% | 0.47% | 3 | 5/5 |
| Sentinel Federal Credit Union | Ellsworth AFB | $199M | 10K | 10.83% | 0.71% | 8 | 4/5 |
| Aspen Federal Credit Union | Rapid City | $173M | 8,449 | 8.44% | 0.43% | 3 | 5/5 |
| Explorers Federal Credit Union | Yankton | $111M | 9,074 | 9.63% | 0.49% | 4 | 5/5 |
| Dakota Plains Federal Credit Union | Lemmon | $84M | 4,930 | 9.13% | 0.56% | 5 | 5/5 |
| Norstar Federal Credit Union | Britton | $79M | 2,828 | 15.26% | 0.09% | 1 | 5/5 |
| Healthcare Plus Federal Credit Union | Aberdeen | $70M | 5,037 | 8.54% | 1.80% | 1 | 4/5 |
| Oahe Federal Credit Union | Pierre | $45M | 3,492 | 16.23% | 1.03% | 2 | 3/5 |
| Dakota Star Federal Credit Union | Rapid City | $45M | 3,023 | 9.00% | 0.93% | 2 | 4/5 |
| Ft Randall Federal Credit Union | Wagner | $44M | 3,462 | 17.52% | 1.12% | 2 | 4/5 |
| East River Federal Credit Union | Madison | $42M | 3,184 | 11.12% | 1.19% | 1 | 3/5 |
| M O Federal Credit Union | Huron | $41M | 1,746 | 14.12% | 0.30% | 1 | 4/5 |
| Sioux Valley Coop Federal Credit Union | Watertown | $41M | 3,410 | 20.64% | 1.10% | 1 | 4/5 |
| Avanti Federal Credit Union | Watertown | $32M | 2,967 | 11.29% | 4.00% | 1 | 3/5 |
| Rushmore Electric Federal Credit Union | Rapid City | $29M | 1,430 | 10.00% | 0.50% | 1 | 4/5 |
| Consumer's Federal Credit Union | Gregory | $21M | 1,627 | 9.65% | 0.14% | 1 | 5/5 |
| Lakota Federal Credit Union | Kyle | $20M | 4,128 | 22.07% | 1.46% | 1 | 3/5 |
Offices run from other states
| Credit union | Based in | Offices here | Total assets | Net worth |
|---|---|---|---|---|
| Interfaith Federal Credit Union | CA | 1 | $135M | 11.87% |
| San Diego Firefighters Federal Credit Union | CA | 1 | $153M | 7.68% |
| Siouxland Federal Credit Union | NE | 1 | $352M | 12.21% |
In figures
| Measure | South Dakota | Federally insured, US |
|---|---|---|
| Credit unions | 33 | 4,214 |
| Members | 350K | 146.11M |
| Assets | $6.18B | $2.50T |
| Net worth ratio | 10.83% | 11.42% |
| Delinquency | 0.88% | 0.96% |
| Same-charter members, 12 months | +0.38% | n/a |
| Same-charter assets, 12 months | +5.83% | n/a |
| Filers a year earlier | 33 | n/a |
| Federal charters | 33 | 2,649 |
| State charters | 0 | 1,650 |
| Minority depository flag | 2 | 454 |
Who can join
The federal file does not list who may join, and we have not verified the rules of any name on this list. Each one can tell you itself. How to join sets out the steps.