Headquartered in Huron, South Dakota, Hb Telco Federal Credit Union is a federal credit union with $4.9M in total assets and $4.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Hb Telco Federal Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 27th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (0/100, -0.81%).
TellerScore · Q2 2026
Scorecard
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 8 points (49 → 57), mostly because the loan quality component improved by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 59 |
| Q4 2024 | 61 |
| Q1 2025 | 59 |
| Q2 2025 | 49 |
| Q3 2025 | 51 |
| Q4 2025 | 62 |
| Q1 2026 | 59 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.43% |
| Q3 2024 | 9.17% |
| Q4 2024 | 9.63% |
| Q1 2025 | 9.33% |
| Q2 2025 | 9.24% |
| Q3 2025 | 8.95% |
| Q4 2025 | 9.17% |
| Q1 2026 | 8.71% |
| Q2 2026 | 8.59% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.12% |
| Q2 2025 | 1.09% |
| Q3 2025 | 0.97% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.92% |
| Q3 2024 | -0.94% |
| Q4 2024 | -0.85% |
| Q1 2025 | -0.58% |
| Q2 2025 | -0.54% |
| Q3 2025 | -0.31% |
| Q4 2025 | -0.28% |
| Q1 2026 | -1.15% |
| Q2 2026 | -0.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $4.9M | 8.59% | 0.00% | -0.81% | 86.1% |
| Q1 2026 | 59 | $4.9M | 8.71% | 0.00% | -1.15% | 72.6% |
| Q4 2025 | 62 | $4.8M | 9.17% | 0.00% | -0.28% | 78.7% |
| Q3 2025 | 51 | $5.0M | 8.95% | 0.97% | -0.31% | 79.9% |
| Q2 2025 | 49 | $4.9M | 9.24% | 1.09% | -0.54% | 79.6% |
| Q1 2025 | 59 | $4.9M | 9.33% | 0.12% | -0.58% | 77.2% |
| Q4 2024 | 61 | $4.8M | 9.63% | 0.00% | -0.85% | 82.3% |
| Q3 2024 | 59 | $5.0M | 9.17% | 0.00% | -0.94% | 84.3% |
| Q2 2024 | 58 | $5.0M | 9.43% | 0.00% | -0.92% | 92.1% |
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).
Similar-size credit unions in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sisseton-Wahpeton Federal Credit UnionCredit union Agency Village, SD | 47 out of 100, Below average | $4.9M | 41.3% | 3.84% | vs |
| Dakota Rail Line Federal Credit UnionCredit union Huron, SD | 84 out of 100, Strong | $5.1M | 17.4% | 1.17% | vs |
| Dacotah Federal Credit UnionCredit union Rapid City, SD | 70 out of 100, Strong | $11.1M | 10.1% | 0.00% | vs |
| Minuteman Federal Credit UnionCredit union Rapid City, SD | 56 out of 100, Moderate | $15.2M | 14.3% | 3.05% | vs |
| Palace City Federal Credit UnionCredit union Mitchell, SD | 72 out of 100, Strong | $16.5M | 9.9% | 0.01% | vs |
| Huron Area Education Federal Credit UnionCredit union Huron, SD | 87 out of 100, Very strong | $18.8M | 12.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Hb Telco Federal Credit Union?
Yes. Hb Telco Federal Credit Union is a federally insured credit union (NCUA charter #9888). 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 0.5% of shares and deposits ($24K) 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 8.59%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Hb Telco Federal Credit Union lists 1 office in 1 city. Most locations:
- Huron, SD (1)
Identity & history
Profile
- Legal name
- Hb Telco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9888
- RSSD ID
- 960382
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 375 3rd St SW, Huron, SD 57350
- Employees
- 2
Quick answers
Hb Telco Federal Credit Union: common questions
Is Hb Telco Federal Credit Union NCUA insured?
Yes. Hb Telco Federal Credit Union is a federally insured credit union (NCUA charter #9888). 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 Hb Telco Federal Credit Union's TellerScore?
57 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 Hb Telco Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Huron
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| M O Federal Credit UnionCredit union Huron, SD | 88 out of 100, Very strong | $40.9M | 14.1% | 0.30% | vs |
| Huron Area Education Federal Credit UnionCredit union Huron, SD | 87 out of 100, Very strong | $18.8M | 12.4% | 0.00% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| Dakotaland Federal Credit UnionCredit union Huron, SD | 76 out of 100, Strong | $751.6M | 10.9% | 0.57% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |