TellerScore

Headquartered in Wagner, South Dakota, Ft Randall Federal Credit Union is a federal credit union with $44.2M in total assets and $36.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1951.

Based on its Q2 2026 filing, Ft Randall Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 9th. Its strongest component is capital cushion (100/100; 17.52%), and its lowest is earnings (62/100; 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.52%
Loan quality63/100
Loans 60+ days delinquent ÷ total loans: 1.12%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity88/100
Loans ÷ shares: 72.6% · 0.4% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.81%

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 (82 → 81).

TellerScore
788694Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202582
Q2 202582
Q3 202594
Q4 202590
Q1 202687
Q2 202681
Net worth ratio
7.00%12.26%17.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.75%
Q3 202410.43%
Q4 202410.56%
Q1 202511.27%
Q2 202511.90%
Q3 202516.12%
Q4 202516.84%
Q1 202617.15%
Q2 202617.52%
Delinquent loans (60+ days)
0.13%0.62%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.60%
Q3 20240.61%
Q4 20240.66%
Q1 20250.58%
Q2 20250.13%
Q3 20250.34%
Q4 20250.94%
Q1 20260.95%
Q2 20261.12%
Return on assets
1.04%4.32%7.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20244.05%
Q3 20243.90%
Q4 20242.35%
Q1 20253.48%
Q2 20251.24%
Q3 20257.61%
Q4 20256.83%
Q1 20261.73%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$44.2M17.52%1.12%1.04%72.6%
Q1 202687$44.9M17.15%0.95%1.73%71.5%
Q4 202590$44.8M16.84%0.94%6.83%71.4%
Q3 202594$43.0M16.12%0.34%7.61%78.3%
Q2 202582$42.4M11.90%0.13%1.24%72.9%
Q1 202582$43.1M11.27%0.58%3.48%69.2%
Q4 202479$42.7M10.56%0.66%2.35%68.1%
Q3 202479$41.6M10.43%0.61%3.90%67.8%
Q2 202478$40.4M9.75%0.60%4.05%66.8%

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 ratio17.52%
67th
Problem loans1.12%
36th
Net charge-offs0.88%
16th
Return on assets1.04%
69th
Loans to deposits72.6%
29th
Uninsured deposits0.4%
59th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
37th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
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
East River Federal Credit UnionCredit union Madison, SD71 out of 100, Strong$41.9M11.1%1.19%vs
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
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 Ft Randall Federal Credit Union?

Yes. Ft Randall Federal Credit Union is a federally insured credit union (NCUA charter #7067). 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 0.4% of shares and deposits ($140K) 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 17.52%, well 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

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

  • Platte, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Ft Randall Federal Credit Union
Type
Federal credit union
NCUA charter #
7067
RSSD ID
266682
Primary regulator
NCUA
Established
1951
Headquarters
Po Box 297, Wagner, SD 57380
Employees
11

Quick answers

Ft Randall Federal Credit Union: common questions

Is Ft Randall Federal Credit Union NCUA insured?

Yes. Ft Randall Federal Credit Union is a federally insured credit union (NCUA charter #7067). 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 Ft Randall Federal Credit Union's TellerScore?

81 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 Ft Randall Federal Credit Union have?

1 office as of the latest NCUA data.