TellerScore

Headquartered in Watertown, South Dakota, Avanti Federal Credit Union is a federal credit union with $31.8M in total assets and $28.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.

Avanti Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 30th. Funding & liquidity contributes the most (97/100, 64% loans-to-deposits, 7% uninsured); loan quality contributes the least (0/100, 4.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.29%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.00%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity97/100
Loans ÷ shares: 63.7% · 7.0% uninsured
Problem-loan coverage57/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 21.26%

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 fell 12 points (63 → 51), mostly because the loan quality component weakened by 41 points.

TellerScore
505866Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202450
Q3 202466
Q4 202458
Q1 202561
Q2 202563
Q3 202553
Q4 202552
Q1 202651
Q2 202651
Net worth ratio
7.00%9.14%11.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.52%
Q3 20249.39%
Q4 20249.20%
Q1 20259.32%
Q2 202510.05%
Q3 202510.73%
Q4 202510.96%
Q1 202611.13%
Q2 202611.29%
Delinquent loans (60+ days)
0.79%2.39%4.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.35%
Q3 20240.79%
Q4 20241.62%
Q1 20251.44%
Q2 20251.76%
Q3 20252.82%
Q4 20252.97%
Q1 20263.63%
Q2 20264.00%
Return on assets
0.94%1.19%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20241.03%
Q4 20241.01%
Q1 20251.07%
Q2 20251.45%
Q3 20251.40%
Q4 20251.16%
Q1 20261.14%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$31.8M11.29%4.00%0.94%63.7%
Q1 202651$31.8M11.13%3.63%1.14%67.3%
Q4 202552$31.5M10.96%2.97%1.16%70.2%
Q3 202553$32.0M10.73%2.82%1.40%74.2%
Q2 202563$33.1M10.05%1.76%1.45%69.6%
Q1 202561$34.1M9.32%1.44%1.07%67.3%
Q4 202458$33.7M9.20%1.62%1.01%69.1%
Q3 202466$32.1M9.39%0.79%1.03%74.6%
Q2 202450$30.7M9.52%2.35%0.99%78.4%

2,479 peers · Under $100 million in assets

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 ratio11.29%
26th
Problem loans4.00%
8th
Net charge-offs0.76%
19th
Return on assets0.94%
65th
Loans to deposits63.7%
42nd
Uninsured deposits7.0%
13th
Loan-loss reserves0.00%
37th
Texas ratio21.3%
4th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs
Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD83 out of 100, Strong$40.7M20.6%1.10%vs
M O Federal Credit UnionCredit union Huron, SD88 out of 100, Very strong$40.9M14.1%0.30%vs
East River Federal Credit UnionCredit union Madison, SD71 out of 100, Strong$41.9M11.1%1.19%vs
Consumer'S Federal Credit UnionCredit union Gregory, SD74 out of 100, Strong$21.4M9.7%0.14%vs
Lakota Federal Credit UnionCredit union Kyle, SD87 out of 100, Very strong$19.7M22.1%1.46%vs

Deposit insurance

Is my money safe at Avanti Federal Credit Union?

Yes. Avanti Federal Credit Union is a federally insured credit union (NCUA charter #8801). 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 7.0% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Avanti Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Avanti Federal Credit Union
Type
Federal credit union
NCUA charter #
8801
RSSD ID
296885
Primary regulator
NCUA
Established
1953
Headquarters
Po Box 534, Watertown, SD 57201
Employees
6

Quick answers

Avanti Federal Credit Union: common questions

Is Avanti Federal Credit Union NCUA insured?

Yes. Avanti Federal Credit Union is a federally insured credit union (NCUA charter #8801). 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 Avanti Federal Credit Union's TellerScore?

51 out of 100 (Below average), 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 Avanti Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Watertown

InstitutionScoreAssetsCapitalProblem loansCompare
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD83 out of 100, Strong$40.7M20.6%1.10%vs
Citizens State Bank, of ArlingtonBank Arlington, SD82 out of 100, Strong$153.2M11.7%0.00%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Reliabank DakotaBank Estelline, SD71 out of 100, Strong$788.4M10.5%0.26%vs
First Bank & TrustBank Brookings, SD70 out of 100, Strong$4.8B10.4%0.42%vs