TellerScore

Bluestone Federal Credit Union (NCUA charter #2874) is based in Sioux Falls, South Dakota. Its Q2 2026 call report shows $205.6M in total assets and $176.4M in member shares and deposits and 4 offices.

Bluestone Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 16th. Problem-loan coverage contributes the most (93/100, 3.5%); capital cushion contributes the least (46/100, 9.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.57%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity88/100
Loans ÷ shares: 72.6% · 9.3% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.46%

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 (68 → 68).

TellerScore
646668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202464
Q1 202564
Q2 202568
Q3 202566
Q4 202566
Q1 202668
Q2 202668
Net worth ratio
7.00%8.29%9.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.62%
Q3 20248.57%
Q4 20248.63%
Q1 20258.37%
Q2 20258.69%
Q3 20258.97%
Q4 20259.19%
Q1 20269.40%
Q2 20269.57%
Delinquent loans (60+ days)
0.32%0.58%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.32%
Q4 20240.62%
Q1 20250.52%
Q2 20250.43%
Q3 20250.77%
Q4 20250.84%
Q1 20260.71%
Q2 20260.50%
Return on assets
0.67%0.88%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.80%
Q4 20240.76%
Q1 20250.67%
Q2 20250.97%
Q3 20251.09%
Q4 20251.10%
Q1 20261.05%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$205.6M9.57%0.50%0.87%72.6%
Q1 202668$212.6M9.40%0.71%1.05%66.4%
Q4 202566$204.2M9.19%0.84%1.10%68.2%
Q3 202566$203.7M8.97%0.77%1.09%69.2%
Q2 202568$202.4M8.69%0.43%0.97%66.6%
Q1 202564$202.4M8.37%0.52%0.67%66.7%
Q4 202464$192.3M8.63%0.62%0.76%66.7%
Q3 202466$190.8M8.57%0.32%0.80%70.5%
Q2 202465$184.2M8.62%0.39%0.73%73.2%

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 ratio9.57%
22nd
Problem loans0.50%
64th
Net charge-offs0.70%
20th
Return on assets0.87%
59th
Loans to deposits72.6%
56th
Uninsured deposits9.3%
20th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
56th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Area Federal Credit UnionCredit union Aberdeen, SD87 out of 100, Very strong$199.9M17.1%0.47%vs
Sentinel Federal Credit UnionCredit union Box Elder, SD67 out of 100, Moderate$199.3M10.8%0.71%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 Bluestone Federal Credit Union?

Yes. Bluestone Federal Credit Union is a federally insured credit union (NCUA charter #2874). 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 9.3% of shares and deposits ($16.4M) 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 9.57%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Bluestone Federal Credit Union lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bluestone Federal Credit Union reported 62 home-loan applications under HMDA (LEI 549300MM52W3C4U18L74): 51 originated ($4,815,000 total), 3 denied, and 8 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Classic Credit Card10.25% – 15.25%$0$131.0%

All Bluestone Federal Credit Union card terms

Identity & history

Profile

Legal name
Bluestone Federal Credit Union
Type
Federal credit union
NCUA charter #
2874
RSSD ID
871479
Primary regulator
NCUA
Established
1938
Headquarters
PO Box 90240, Sioux Falls, SD 57109
Employees
65

Quick answers

Bluestone Federal Credit Union: common questions

Is Bluestone Federal Credit Union NCUA insured?

Yes. Bluestone Federal Credit Union is a federally insured credit union (NCUA charter #2874). 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 Bluestone Federal Credit Union's TellerScore?

68 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 Bluestone Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs