TellerScore

East River Federal Credit Union (NCUA charter #11353) is based in Madison, South Dakota. Its Q2 2026 call report shows $41.9M in total assets and $37.1M in member shares and deposits and 1 office.

East River Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 14th. Funding & liquidity contributes the most (100/100, 43% loans-to-deposits, 1% uninsured); loan quality contributes the least (60/100, 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.12%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.19%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 42.6% · 0.8% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.05%

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 3 points (74 → 71), mostly because the loan quality component weakened by 18 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202472
Q4 202469
Q1 202573
Q2 202574
Q3 202563
Q4 202565
Q1 202671
Q2 202671
Net worth ratio
7.00%9.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.30%
Q3 202411.14%
Q4 202410.58%
Q1 202510.12%
Q2 202510.57%
Q3 202511.01%
Q4 202511.02%
Q1 202610.98%
Q2 202611.12%
Delinquent loans (60+ days)
0.35%0.87%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.35%
Q4 20240.61%
Q1 20250.79%
Q2 20250.67%
Q3 20250.89%
Q4 20251.01%
Q1 20261.40%
Q2 20261.19%
Return on assets
-0.06%0.70%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.54%
Q4 20240.47%
Q1 20251.39%
Q2 20251.14%
Q3 2025-0.06%
Q4 20250.27%
Q1 20261.46%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$41.9M11.12%1.19%1.16%42.6%
Q1 202671$41.6M10.98%1.40%1.46%42.8%
Q4 202565$40.0M11.02%1.01%0.27%48.1%
Q3 202563$38.8M11.01%0.89%-0.06%53.4%
Q2 202574$38.2M10.57%0.67%1.14%56.8%
Q1 202573$39.7M10.12%0.79%1.39%58.1%
Q4 202469$39.4M10.58%0.61%0.47%61.4%
Q3 202472$38.6M11.14%0.35%0.54%66.7%
Q2 202469$37.8M11.30%0.75%0.48%67.0%

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 ratio11.12%
25th
Problem loans1.19%
34th
Net charge-offs0.48%
28th
Return on assets1.16%
74th
Loans to deposits42.6%
74th
Uninsured deposits0.8%
56th
Loan-loss reserves0.00%
37th
Texas ratio4.1%
35th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
M O Federal Credit UnionCredit union Huron, SD88 out of 100, Very strong$40.9M14.1%0.30%vs
Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD83 out of 100, Strong$40.7M20.6%1.10%vs
Ft Randall Federal Credit UnionCredit union Wagner, SD81 out of 100, Strong$44.2M17.5%1.12%vs
Dakota Star Federal Credit UnionCredit union Rapid City, SD64 out of 100, Moderate$44.9M9.0%0.93%vs
Oahe Federal Credit UnionCredit union Pierre, SD87 out of 100, Very strong$45.1M16.2%1.03%vs
Avanti Federal Credit UnionCredit union Watertown, SD51 out of 100, Below average$31.8M11.3%4.00%vs

Deposit insurance

Is my money safe at East River Federal Credit Union?

Yes. East River Federal Credit Union is a federally insured credit union (NCUA charter #11353). 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 0.8% of shares and deposits ($310K) 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 11.12%, 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

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

  • Madison, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
East River Federal Credit Union
Type
Federal credit union
NCUA charter #
11353
RSSD ID
567987
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 31, Madison, SD 57042
Employees
8

Quick answers

East River Federal Credit Union: common questions

Is East River Federal Credit Union NCUA insured?

Yes. East River Federal Credit Union is a federally insured credit union (NCUA charter #11353). 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 East River Federal Credit Union's TellerScore?

71 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 East River Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
Citizens State Bank, of ArlingtonBank Arlington, SD82 out of 100, Strong$153.2M11.7%0.00%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%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