TellerScore

Highmark Federal Credit Union is a federal credit union headquartered in Rapid City, South Dakota, in business for about 86 years. At the end of Q2 2026 it reported $257.8M in total assets and $235.1M in member shares and deposits, with 4 offices across 2 states.

Highmark Federal Credit Union has a TellerScore of 46 out of 100 (below average) based on Q2 2026 data — higher than only 3% of its 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 32nd. Funding & liquidity contributes the most (78/100, 82% loans-to-deposits, 11% uninsured); capital cushion contributes the least (27/100, 7.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.67%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.43%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity78/100
Loans ÷ shares: 82.1% · 11.3% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.51%

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 (47 → 46).

TellerScore
414956Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202441
Q3 202444
Q4 202444
Q1 202552
Q2 202547
Q3 202552
Q4 202556
Q1 202651
Q2 202646
Net worth ratio
7.00%7.35%7.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20247.28%
Q3 20247.31%
Q4 20247.14%
Q1 20257.28%
Q2 20257.34%
Q3 20257.60%
Q4 20257.69%
Q1 20267.51%
Q2 20267.67%
Delinquent loans (60+ days)
0.79%1.11%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.89%
Q4 20240.99%
Q1 20250.83%
Q2 20251.34%
Q3 20251.21%
Q4 20250.79%
Q1 20260.96%
Q2 20261.43%
Return on assets
-0.55%0.11%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.55%
Q3 2024-0.16%
Q4 2024-0.13%
Q1 20250.59%
Q2 20250.54%
Q3 20250.77%
Q4 20250.73%
Q1 20260.33%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202646$257.8M7.67%1.43%0.36%82.1%
Q1 202651$260.1M7.51%0.96%0.33%81.0%
Q4 202556$258.9M7.69%0.79%0.73%82.3%
Q3 202552$256.8M7.60%1.21%0.77%82.5%
Q2 202547$255.8M7.34%1.34%0.54%85.4%
Q1 202552$253.8M7.28%0.83%0.59%87.6%
Q4 202444$253.5M7.14%0.99%-0.13%88.3%
Q3 202444$248.0M7.31%0.89%-0.16%91.8%
Q2 202441$244.8M7.28%0.85%-0.55%97.9%

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 ratio7.67%
2nd
Problem loans1.43%
15th
Net charge-offs0.71%
20th
Return on assets0.36%
22nd
Loans to deposits82.1%
35th
Uninsured deposits11.3%
12th
Loan-loss reserves0.00%
50th
Texas ratio16.5%
4th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Voyage Federal Credit UnionCredit union Sioux Falls, SD66 out of 100, Moderate$285.3M10.0%0.83%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Bluestone Federal Credit UnionCredit union Sioux Falls, SD68 out of 100, Moderate$205.6M9.6%0.50%vs
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs
Area Federal Credit UnionCredit union Aberdeen, SD87 out of 100, Very strong$199.9M17.1%0.47%vs
Sentinel Federal Credit UnionCredit union Box Elder, SD67 out of 100, Moderate$199.3M10.8%0.71%vs

Deposit insurance

Is my money safe at Highmark Federal Credit Union?

Yes. Highmark Federal Credit Union is a federally insured credit union (NCUA charter #4122). 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 11.3% of shares and deposits ($26.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.67%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Highmark Federal Credit Union lists 4 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Highmark Federal Credit Union reported 67 home-loan applications under HMDA (LEI 5493009JZ6NIQL6RQT28): 67 originated ($18,515,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Highmark Federal Credit Union
Type
Federal credit union
NCUA charter #
4122
RSSD ID
460079
Primary regulator
NCUA
Established
1940
Headquarters
Po Box 2506, Rapid City, SD 57709
Employees
63

Quick answers

Highmark Federal Credit Union: common questions

Is Highmark Federal Credit Union NCUA insured?

Yes. Highmark Federal Credit Union is a federally insured credit union (NCUA charter #4122). 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 Highmark Federal Credit Union's TellerScore?

46 out of 100 (Below average), 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 Highmark Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Rapid City

InstitutionScoreAssetsCapitalProblem loansCompare
First Western Federal Savings BankBank Rapid City, SD92 out of 100, Very strong$63.5M18.1%0.00%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Black Hills Community Bank, N.A.Bank Rapid City, SD81 out of 100, Strong$489.7M12.4%0.00%vs
Pioneer Bank & TrustBank Belle Fourche, SD81 out of 100, Strong$1.0B11.6%0.14%vs
Interfaith Federal Credit UnionCredit union Montclair, CA77 out of 100, Strong$134.8M11.9%0.34%vs
Rushmore Electric Federal Credit UnionCredit union Rapid City, SD72 out of 100, Strong$29.3M10.0%0.50%vs