Headquartered in Mitchell, South Dakota, Palace City Federal Credit Union is a federal credit union with $16.5M in total assets and $14.7M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1959.
Based on its Q2 2026 filing, Palace City Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 13th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is earnings (37/100; 0.43%).
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 4 points (68 → 72), mostly because the loan quality component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 67 |
| Q1 2025 | 68 |
| Q2 2025 | 68 |
| Q3 2025 | 71 |
| Q4 2025 | 73 |
| Q1 2026 | 70 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 9.74% |
| Q4 2024 | 9.06% |
| Q1 2025 | 9.00% |
| Q2 2025 | 9.05% |
| Q3 2025 | 9.35% |
| Q4 2025 | 9.61% |
| Q1 2026 | 9.80% |
| Q2 2026 | 9.92% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.01% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.55% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.43% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $16.5M | 9.92% | 0.01% | 0.43% | 44.3% |
| Q1 2026 | 70 | $16.4M | 9.80% | 0.00% | 0.22% | 46.4% |
| Q4 2025 | 73 | $16.7M | 9.61% | 0.00% | 0.63% | 47.2% |
| Q3 2025 | 71 | $16.8M | 9.35% | 0.06% | 0.60% | 45.8% |
| Q2 2025 | 68 | $17.0M | 9.05% | 0.27% | 0.52% | 45.2% |
| Q1 2025 | 68 | $16.9M | 9.00% | 0.21% | 0.55% | 46.1% |
| Q4 2024 | 67 | $16.5M | 9.06% | 0.00% | 0.07% | 49.6% |
| Q3 2024 | 70 | $15.5M | 9.74% | 0.00% | 0.21% | 53.0% |
| Q2 2024 | 70 | $15.4M | 9.76% | 0.00% | 0.21% | 54.4% |
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).
Similar-size credit unions in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Minuteman Federal Credit UnionCredit union Rapid City, SD | 56 out of 100, Moderate | $15.2M | 14.3% | 3.05% | vs |
| Huron Area Education Federal Credit UnionCredit union Huron, SD | 87 out of 100, Very strong | $18.8M | 12.4% | 0.00% | vs |
| Coteau Valley Federal Credit UnionCredit union Sisseton, SD | 56 out of 100, Moderate | $18.8M | 10.0% | 1.98% | vs |
| Lakota Federal Credit UnionCredit union Kyle, SD | 87 out of 100, Very strong | $19.7M | 22.1% | 1.46% | vs |
| Consumer'S Federal Credit UnionCredit union Gregory, SD | 74 out of 100, Strong | $21.4M | 9.7% | 0.14% | vs |
| Dacotah Federal Credit UnionCredit union Rapid City, SD | 70 out of 100, Strong | $11.1M | 10.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Palace City Federal Credit Union?
Yes. Palace City Federal Credit Union is a federally insured credit union (NCUA charter #13103). 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 1.0% of shares and deposits ($149K) 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 9.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Palace City Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Hoover, AL (1)
- Mitchell, SD (1)
Identity & history
Profile
- Legal name
- Palace City Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13103
- RSSD ID
- 936387
- Primary regulator
- NCUA
- Established
- 1959
- Headquarters
- 720 West Havens Ave, Mitchell, SD 57301
- Employees
- 5
Quick answers
Palace City Federal Credit Union: common questions
Is Palace City Federal Credit Union NCUA insured?
Yes. Palace City Federal Credit Union is a federally insured credit union (NCUA charter #13103). 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 Palace City Federal Credit Union's TellerScore?
72 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 Palace City Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Mitchell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Parkston, SD | 76 out of 100, Strong | $254.8M | 10.0% | 0.00% | vs |
| First National Bank of OmahaBank Omaha, NE | 72 out of 100, Strong | $34.2B | 10.8% | 0.78% | vs |
| First Dakota National BankBank Yankton, SD | 72 out of 100, Strong | $3.4B | 10.4% | 0.30% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| CorTrust Bank National AssociationBank Mitchell, SD | 62 out of 100, Moderate | $1.6B | 9.9% | 0.70% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |