TellerScore

Oahe Federal Credit Union is a federal credit union headquartered in Pierre, South Dakota, in business for about 71 years. At the end of Q2 2026 it reported $45.1M in total assets and $37.6M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Oahe Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 4th. Its strongest component is capital cushion (100/100; 16.23%), and its lowest is loan quality (66/100; 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.23%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity100/100
Loans ÷ shares: 60.1% · 1.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.18%

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 2 points (89 → 87), mostly because the loan quality component weakened by 7 points.

TellerScore
879195Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202495
Q1 202590
Q2 202589
Q3 202588
Q4 202589
Q1 202689
Q2 202687
Net worth ratio
7.00%11.62%16.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.31%
Q3 202415.50%
Q4 202415.94%
Q1 202515.54%
Q2 202515.43%
Q3 202515.60%
Q4 202515.74%
Q1 202615.85%
Q2 202616.23%
Delinquent loans (60+ days)
0.26%0.64%1.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.48%
Q4 20240.40%
Q1 20250.56%
Q2 20250.81%
Q3 20250.89%
Q4 20250.91%
Q1 20260.74%
Q2 20261.03%
Return on assets
1.43%1.89%2.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.23%
Q3 20242.36%
Q4 20242.30%
Q1 20251.55%
Q2 20251.69%
Q3 20251.65%
Q4 20251.66%
Q1 20261.43%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$45.1M16.23%1.03%1.54%60.1%
Q1 202689$45.0M15.85%0.74%1.43%60.6%
Q4 202589$44.3M15.74%0.91%1.66%63.7%
Q3 202588$43.5M15.60%0.89%1.65%65.7%
Q2 202589$42.8M15.43%0.81%1.69%65.0%
Q1 202590$41.2M15.54%0.56%1.55%64.9%
Q4 202495$39.1M15.94%0.40%2.30%69.8%
Q3 202494$38.9M15.50%0.48%2.36%70.7%
Q2 202494$40.5M14.31%0.26%2.23%67.4%

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 ratio16.23%
61st
Problem loans1.03%
38th
Net charge-offs0.19%
48th
Return on assets1.54%
86th
Loans to deposits60.1%
48th
Uninsured deposits1.1%
53rd
Loan-loss reserves0.00%
37th
Texas ratio3.2%
41st

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
Ft Randall Federal Credit UnionCredit union Wagner, SD81 out of 100, Strong$44.2M17.5%1.12%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 Oahe Federal Credit Union?

Yes. Oahe Federal Credit Union is a federally insured credit union (NCUA charter #10243). 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 1.1% of shares and deposits ($406K) 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 16.23%, well 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

Oahe Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Oahe Federal Credit Union
Type
Federal credit union
NCUA charter #
10243
RSSD ID
169082
Primary regulator
NCUA
Established
1955
Headquarters
PO Box 818, Pierre, SD 57501
Employees
7

Quick answers

Oahe Federal Credit Union: common questions

Is Oahe Federal Credit Union NCUA insured?

Yes. Oahe Federal Credit Union is a federally insured credit union (NCUA charter #10243). 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 Oahe Federal Credit Union's TellerScore?

87 out of 100 (Very 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 Oahe Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Pierre

InstitutionScoreAssetsCapitalProblem loansCompare
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Sunrise Bank DakotaBank Onida, SD83 out of 100, Strong$57.5M13.0%0.00%vs
First Fidelity BankBank Burke, SD75 out of 100, Strong$717.0M9.4%0.39%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
Black Hills Federal Credit UnionCredit union Rapid City, SD63 out of 100, Moderate$2.4B10.6%0.95%vs