Charter 4365 · Rapid City, SD
Black Hills Federal Credit Union
Black Hills Federal Credit Union is a federally chartered credit union in Rapid City, South Dakota, with $2.38 billion in assets and 109,705 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.56%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.38 billion
- +6.1% in a year
- Members
- 109,705
- +2.2% in a year
- Net worth ratio
- 10.56%
- Peer median 10.79%
- Loans 60+ days late
- 0.95%
- Peer median 0.67%
- Loans outstanding
- $1.66 billion
- -0.9% in a year
- Shares and deposits
- $2.13 billion
- +5.9% in a year
- Branches
- 20
- 393 employees
- Opened
- 1941
- Federal charter
How Black Hills Federal Credit Union compares
NCUA groups credit unions by size; Black Hills Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.56% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.95%, is higher than the group median of 0.67%. Loans fell 0.9% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 1 of 33 credit unions headquartered in South Dakota. See all South Dakota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.38 billion | 109,705 | $1.66 billion | 10.56% | 0.95% |
| Q1 2026 | $2.37 billion | 108,871 | $1.65 billion | 10.45% | 0.69% |
| Q4 2025 | $2.32 billion | 108,769 | $1.67 billion | 10.58% | 0.91% |
| Q3 2025 | $2.29 billion | 108,390 | $1.66 billion | 10.64% | 0.65% |
| Q2 2025 | $2.24 billion | 107,356 | $1.67 billion | 10.71% | 0.78% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 998,461 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 21 sites for Black Hills Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Downtown Member Service Center
200 E Main St, Rapid City, SD 57701 - East North Member Service Center
725 E North St, Rapid City, SD 57701 - Elk Vale Member Service Center
950 Elk Vale Rd, Rapid City, SD 57703 - Plaza Drive Member Service Center
2700 N Plaza Dr, Rapid City, SD 57702 - Mountain View Member Service Center
850 Mountain View Rd, Rapid City, SD 57702 - Custer Member Service Center
1135 Mount Rushmore Rd, Custer, SD 57730 - Hot Springs Member Service Center
330 S Chicago St, Hot Springs, SD 57747 - Spearfish Member Service Center
835 N Main St, Spearfish, SD 57783 - Corporate (main office)
2700 N Plaza Dr, Rapid City, SD 57702 - WALL MEMBER SERVICE CENTER
115 S Blvd W, Wall, SD 57790 - Cheyenne River Member Service Center
Po Box 620, Eagle Butte, SD 57625 - Pierre Member Service Center
1530 N Garfield Ave, Pierre, SD 57501 - Sturgis Member Service Center
1020 Lazelle St., Sturgis, SD 57785 - Marion Road - Sioux Falls
5028 S Marion Rd, Sioux Falls, SD 57106 - 41st Street - Sioux Falls
1901 W 41St St, Sioux Falls, SD 57105 - 10th Street
921 W 10Th St, Sioux Falls, SD 57104 - 5th & Minnesota Member Service Center
111 E Minnesota St, Rapid City, SD 57701 - Billings Member Service Center
1595 Grand Ave Ste 235B, Billings, MT 59102 - Box Elder Branch
376 Liberty Boulevard, Box Elder, SD 57719 - Billings - Shiloh
4002 Montana Sapphire Dr, Billings, MT 59106 - E. 10th - Sioux Falls
3701 E 10Th St, Sioux Falls, SD 57103
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology