Charter 4122 · Rapid City, SD
Highmark Federal Credit Union
Highmark Federal Credit Union is a federally chartered credit union in Rapid City, South Dakota, with $258 million in assets and 13,653 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 7.67%, above the 7% that NCUA's rules treat as well capitalized.
Also does business as Highmark Credit Union.
- Total assets
- $258 million
- +0.8% in a year
- Members
- 13,653
- +0.3% in a year
- Net worth ratio
- 7.67%
- Peer median 11.65%
- Loans 60+ days late
- 1.43%
- Peer median 0.70%
- Loans outstanding
- $193 million
- -3.5% in a year
- Shares and deposits
- $235 million
- +0.4% in a year
- Branches
- 5
- 63 employees
- Opened
- 1940
- Federal charter
How Highmark Federal Credit Union compares
NCUA groups credit unions by size; Highmark Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 7.67% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.43%, is higher than the group median of 0.70%. Loans fell 3.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 5 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 | $258 million | 13,653 | $193 million | 7.67% | 1.43% |
| Q1 2026 | $260 million | 13,724 | $192 million | 7.51% | 0.96% |
| Q4 2025 | $259 million | 13,687 | $195 million | 7.69% | 0.79% |
| Q3 2025 | $257 million | 13,673 | $194 million | 7.60% | 1.21% |
| Q2 2025 | $256 million | 13,610 | $200 million | 7.34% | 1.34% |
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 269,472 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 5 sites for Highmark 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.
- Highmark Main Office (main office)
725 5Th St, Rapid City, SD 57701 - Custer Branch
302 Mount Rushmore Rd, Custer, SD 57730 - Spearfish Branch
309 W Jackson Blvd, Spearfish, SD 57783 - Gillette Branch
2717 S Douglas Hwy, Gillette, WY 82718 - Belle Fourche Branch
1842 5Th Ave, Belle Fourche, SD 57717
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