TellerScore

Headquartered in Yankton, South Dakota, Explorers Federal Credit Union is a federal credit union with $111.5M in total assets and $100.0M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1962.

Based on its Q2 2026 filing, Explorers Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 34% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 22nd. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is earnings (37/100; 0.41%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.63%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.49%
Earnings37/100
Return on assets (annualized): 0.41%
Funding & liquidity91/100
Loans ÷ shares: 69.2% · 1.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.19%

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 (64 → 65).

TellerScore
646769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202469
Q3 202468
Q4 202467
Q1 202565
Q2 202564
Q3 202567
Q4 202568
Q1 202665
Q2 202665
Net worth ratio
7.00%8.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.65%
Q3 20249.18%
Q4 20249.38%
Q1 20259.13%
Q2 20259.48%
Q3 20259.67%
Q4 20259.70%
Q1 20269.44%
Q2 20269.63%
Delinquent loans (60+ days)
0.34%0.59%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.34%
Q3 20240.52%
Q4 20240.72%
Q1 20250.61%
Q2 20250.84%
Q3 20250.50%
Q4 20250.50%
Q1 20260.49%
Q2 20260.49%
Return on assets
0.41%0.73%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.04%
Q3 20241.01%
Q4 20240.98%
Q1 20250.59%
Q2 20250.68%
Q3 20250.73%
Q4 20250.70%
Q1 20260.44%
Q2 20260.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$111.5M9.63%0.49%0.41%69.2%
Q1 202665$112.6M9.44%0.49%0.44%66.3%
Q4 202568$108.3M9.70%0.50%0.70%67.3%
Q3 202567$106.8M9.67%0.50%0.73%70.0%
Q2 202564$106.6M9.48%0.84%0.68%68.5%
Q1 202565$108.5M9.13%0.61%0.59%65.0%
Q4 202467$103.8M9.38%0.72%0.98%68.9%
Q3 202468$103.5M9.18%0.52%1.01%68.9%
Q2 202469$107.2M8.65%0.34%1.04%68.0%

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 ratio9.63%
22nd
Problem loans0.49%
66th
Net charge-offs-0.01%
99th
Return on assets0.41%
24th
Loans to deposits69.2%
62nd
Uninsured deposits1.3%
94th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
59th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Aspen Federal Credit UnionCredit union Rapid City, SD63 out of 100, Moderate$173.0M8.4%0.43%vs
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

Deposit insurance

Is my money safe at Explorers Federal Credit Union?

Yes. Explorers Federal Credit Union is a federally insured credit union (NCUA charter #14874). 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 1.3% of shares and deposits ($1.3M) 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 9.63%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

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

All branch addresses and map

Identity & history

Profile

Legal name
Explorers Federal Credit Union
Type
Federal credit union
NCUA charter #
14874
RSSD ID
547998
Primary regulator
NCUA
Established
1962
Headquarters
609 W 21st St, Yankton, SD 57078
Employees
31

Quick answers

Explorers Federal Credit Union: common questions

Is Explorers Federal Credit Union NCUA insured?

Yes. Explorers Federal Credit Union is a federally insured credit union (NCUA charter #14874). 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 Explorers Federal Credit Union's TellerScore?

65 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 Explorers Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Yankton

InstitutionScoreAssetsCapitalProblem loansCompare
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cedar Security BankBank Fordyce, NE87 out of 100, Very strong$62.1M18.0%0.96%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
The Farmers and Merchants State BankBank Scotland, SD83 out of 100, Strong$36.0M11.9%0.08%vs
Security BankBank Laurel, NE78 out of 100, Strong$309.9M13.3%0.63%vs