TellerScore

Headquartered in Aberdeen, South Dakota, Area Federal Credit Union is a federal credit union with $199.9M in total assets and $165.1M in member shares and deposits as of Q2 2026. Its charter dates back to 1935.

Area Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 3rd. Capital cushion contributes the most (100/100, 17.10%); funding & liquidity contributes the least (75/100, 86% loans-to-deposits, 10% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.10%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity75/100
Loans ÷ shares: 85.6% · 9.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.93%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (87 → 87).

TellerScore
868787Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202487
Q1 202587
Q2 202587
Q3 202587
Q4 202586
Q1 202687
Q2 202687
Net worth ratio
7.00%12.05%17.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.12%
Q3 202416.33%
Q4 202416.47%
Q1 202516.00%
Q2 202516.72%
Q3 202517.07%
Q4 202516.72%
Q1 202616.72%
Q2 202617.10%
Delinquent loans (60+ days)
0.32%0.44%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.43%
Q3 20240.40%
Q4 20240.39%
Q1 20250.32%
Q2 20250.52%
Q3 20250.38%
Q4 20250.55%
Q1 20260.48%
Q2 20260.47%
Return on assets
1.05%1.21%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.15%
Q4 20241.18%
Q1 20251.05%
Q2 20251.34%
Q3 20251.32%
Q4 20251.31%
Q1 20261.34%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$199.9M17.10%0.47%1.37%85.6%
Q1 202687$200.2M16.72%0.48%1.34%81.5%
Q4 202586$196.3M16.72%0.55%1.31%81.8%
Q3 202587$188.2M17.07%0.38%1.32%84.7%
Q2 202587$188.7M16.72%0.52%1.34%82.3%
Q1 202587$192.4M16.00%0.32%1.05%76.7%
Q4 202487$183.9M16.47%0.39%1.18%78.3%
Q3 202487$182.1M16.33%0.40%1.15%77.7%
Q2 202486$180.7M16.12%0.43%1.08%77.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.10%
93rd
Problem loans0.47%
68th
Net charge-offs0.05%
92nd
Return on assets1.37%
85th
Loans to deposits85.6%
27th
Uninsured deposits9.8%
17th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
77th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Sentinel Federal Credit UnionCredit union Box Elder, SD67 out of 100, Moderate$199.3M10.8%0.71%vs
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs
Bluestone Federal Credit UnionCredit union Sioux Falls, SD68 out of 100, Moderate$205.6M9.6%0.50%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Aspen Federal Credit UnionCredit union Rapid City, SD63 out of 100, Moderate$173.0M8.4%0.43%vs
Highmark Federal Credit UnionCredit union Rapid City, SD46 out of 100, Below average$257.8M7.7%1.43%vs

Deposit insurance

Is my money safe at Area Federal Credit Union?

Yes. Area Federal Credit Union is a federally insured credit union (NCUA charter #274). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.8% of shares and deposits ($16.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Area Federal Credit Union
Type
Federal credit union
NCUA charter #
274
RSSD ID
562777
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 1495, Aberdeen, SD 57402
Employees
36

Quick answers

Area Federal Credit Union: common questions

Is Area Federal Credit Union NCUA insured?

Yes. Area Federal Credit Union is a federally insured credit union (NCUA charter #274). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Area Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.