TellerScore

Consumer'S Federal Credit Union (NCUA charter #22719) is based in Gregory, South Dakota. Its Q2 2026 call report shows $21.4M in total assets and $19.2M in member shares and deposits and 1 office.

Consumer'S Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 11th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 2% uninsured); capital cushion contributes the least (47/100, 9.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.65%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 54.5% · 2.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.70%

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 2 points (72 → 74), mostly because the earnings component weakened by 11 points.

TellerScore
667277Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202474
Q4 202471
Q1 202571
Q2 202572
Q3 202577
Q4 202576
Q1 202668
Q2 202674
Net worth ratio
7.00%8.57%10.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.13%
Q3 20249.15%
Q4 20249.07%
Q1 20259.13%
Q2 20259.46%
Q3 202510.14%
Q4 20259.67%
Q1 20269.12%
Q2 20269.65%
Delinquent loans (60+ days)
0.04%0.28%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.04%
Q4 20240.24%
Q1 20250.31%
Q2 20250.44%
Q3 20250.24%
Q4 20250.11%
Q1 20260.51%
Q2 20260.14%
Return on assets
0.58%0.95%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.97%
Q4 20240.90%
Q1 20250.98%
Q2 20251.12%
Q3 20251.31%
Q4 20251.18%
Q1 20260.82%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$21.4M9.65%0.14%0.84%54.5%
Q1 202668$22.1M9.12%0.51%0.82%50.4%
Q4 202576$20.4M9.67%0.11%1.18%54.7%
Q3 202577$18.9M10.14%0.24%1.31%61.5%
Q2 202572$19.4M9.46%0.44%1.12%59.3%
Q1 202571$19.5M9.13%0.31%0.98%57.4%
Q4 202471$19.1M9.07%0.24%0.90%58.9%
Q3 202474$18.5M9.15%0.04%0.97%61.6%
Q2 202466$19.9M8.13%0.17%0.58%56.1%

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 ratio9.65%
14th
Problem loans0.14%
78th
Net charge-offs0.08%
59th
Return on assets0.84%
60th
Loans to deposits54.5%
56th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Lakota Federal Credit UnionCredit union Kyle, SD87 out of 100, Very strong$19.7M22.1%1.46%vs
Coteau Valley Federal Credit UnionCredit union Sisseton, SD56 out of 100, Moderate$18.8M10.0%1.98%vs
Huron Area Education Federal Credit UnionCredit union Huron, SD87 out of 100, Very strong$18.8M12.4%0.00%vs
Palace City Federal Credit UnionCredit union Mitchell, SD72 out of 100, Strong$16.5M9.9%0.01%vs
Minuteman Federal Credit UnionCredit union Rapid City, SD56 out of 100, Moderate$15.2M14.3%3.05%vs
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs

Deposit insurance

Is my money safe at Consumer'S Federal Credit Union?

Yes. Consumer'S Federal Credit Union is a federally insured credit union (NCUA charter #22719). 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 2.4% of shares and deposits ($457K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.65%, 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

Consumer'S Federal Credit Union lists 1 office in 1 city. Most locations:

  • Gregory, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Consumer'S Federal Credit Union
Type
Federal credit union
NCUA charter #
22719
RSSD ID
401885
Primary regulator
NCUA
Established
1977
Headquarters
PO Box 69, Gregory, SD 57533
Employees
4

Quick answers

Consumer'S Federal Credit Union: common questions

Is Consumer'S Federal Credit Union NCUA insured?

Yes. Consumer'S Federal Credit Union is a federally insured credit union (NCUA charter #22719). 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 Consumer'S Federal Credit Union's TellerScore?

74 out of 100 (Strong), 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 Consumer'S Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gregory

InstitutionScoreAssetsCapitalProblem loansCompare
First Fidelity BankBank Burke, SD75 out of 100, Strong$717.0M9.4%0.39%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs