TellerScore

Headquartered in Rapid City, South Dakota, Aspen Federal Credit Union is a federal credit union with $173.0M in total assets and $152.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1966.

Based on its Q2 2026 filing, Aspen Federal Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 26th. Its strongest component is loan quality (86/100; 0.43%), and its lowest is capital cushion (34/100; 8.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.44%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity62/100
Loans ÷ shares: 98.4% · 3.9% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.91%

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

From Q2 2025 to Q2 2026, the score rose 3 points (60 → 63), mostly because the earnings component improved by 6 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202463
Q1 202562
Q2 202560
Q3 202562
Q4 202560
Q1 202667
Q2 202663
Net worth ratio
7.00%7.78%8.55%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.18%
Q3 20248.28%
Q4 20248.44%
Q1 20258.18%
Q2 20258.33%
Q3 20258.32%
Q4 20258.26%
Q1 20268.55%
Q2 20268.44%
Delinquent loans (60+ days)
0.16%0.37%0.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.26%
Q4 20240.24%
Q1 20250.28%
Q2 20250.57%
Q3 20250.27%
Q4 20250.34%
Q1 20260.44%
Q2 20260.43%
Return on assets
0.80%1.24%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.94%
Q4 20240.91%
Q1 20250.93%
Q2 20251.02%
Q3 20250.88%
Q4 20250.80%
Q1 20261.69%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$173.0M8.44%0.43%1.17%98.4%
Q1 202667$167.2M8.55%0.44%1.69%97.8%
Q4 202560$164.5M8.26%0.34%0.80%97.5%
Q3 202562$160.4M8.32%0.27%0.88%97.8%
Q2 202560$157.1M8.33%0.57%1.02%95.9%
Q1 202562$154.6M8.18%0.28%0.93%93.5%
Q4 202463$145.5M8.44%0.24%0.91%95.7%
Q3 202463$144.4M8.28%0.26%0.94%95.5%
Q2 202463$141.6M8.18%0.16%0.90%96.0%

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 ratio8.44%
7th
Problem loans0.43%
72nd
Net charge-offs0.33%
54th
Return on assets1.17%
76th
Loans to deposits98.4%
4th
Uninsured deposits3.9%
73rd
Loan-loss reserves0.00%
50th
Texas ratio6.9%
26th

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
Area Federal Credit UnionCredit union Aberdeen, SD87 out of 100, Very strong$199.9M17.1%0.47%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
Explorers Federal Credit UnionCredit union Yankton, SD65 out of 100, Moderate$111.5M9.6%0.49%vs

Deposit insurance

Is my money safe at Aspen Federal Credit Union?

Yes. Aspen Federal Credit Union is a federally insured credit union (NCUA charter #17224). 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 3.9% of shares and deposits ($5.9M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.44%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Aspen Federal Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Aspen Federal Credit Union
Type
Federal credit union
NCUA charter #
17224
RSSD ID
253682
Primary regulator
NCUA
Established
1966
Headquarters
4956 5th St., Rapid City, SD 57701
Employees
33

Quick answers

Aspen Federal Credit Union: common questions

Is Aspen Federal Credit Union NCUA insured?

Yes. Aspen Federal Credit Union is a federally insured credit union (NCUA charter #17224). 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 Aspen Federal Credit Union's TellerScore?

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

How many branches does Aspen Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rapid City

InstitutionScoreAssetsCapitalProblem loansCompare
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Black Hills Community Bank, N.A.Bank Rapid City, SD81 out of 100, Strong$489.7M12.4%0.00%vs
Pioneer Bank & TrustBank Belle Fourche, SD81 out of 100, Strong$1.0B11.6%0.14%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs