Charter 6986 · Sturgis, SD
Northern Hills Federal Credit Union
Northern Hills Federal Credit Union is a federally chartered credit union in Sturgis, South Dakota, with $205 million in assets and 13,034 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.57%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $205 million
- +16.7% in a year
- Members
- 13,034
- +8.9% in a year
- Net worth ratio
- 9.57%
- Peer median 11.65%
- Loans 60+ days late
- 0.29%
- Peer median 0.70%
- Loans outstanding
- $173 million
- +26.9% in a year
- Shares and deposits
- $183 million
- +20.3% in a year
- Branches
- 5
- 44 employees
- Opened
- 1950
- Federal charter
How Northern Hills Federal Credit Union compares
NCUA groups credit unions by size; Northern Hills Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.57% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.29%, is lower than the group median of 0.70%. Loans grew 26.9% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 8 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 | $205 million | 13,034 | $173 million | 9.57% | 0.29% |
| Q1 2026 | $197 million | 12,667 | $161 million | 9.77% | 0.40% |
| Q4 2025 | $187 million | 12,288 | $151 million | 10.07% | 0.45% |
| Q3 2025 | $177 million | 12,038 | $141 million | 10.28% | 0.46% |
| Q2 2025 | $176 million | 11,970 | $136 million | 10.06% | 0.53% |
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 886,667 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 Northern 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.
- NHFCU01 (main office)
1080 Main St, Sturgis, SD 57785 - NHFCU03
2430 Platinum Dr, Spearfish, SD 57783 - NHFCU04
113 Comanche Rd, Fort Meade, SD 57741 - NHFCU05
78 Cliff St, Deadwood, SD 57732 - NHFCU06
2211 Dakota 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