TellerScore

Rushmore Electric Federal Credit Union (NCUA charter #16444) is based in Rapid City, South Dakota. Its Q2 2026 call report shows $29.3M in total assets and $26.2M in member shares and deposits and 1 office.

Rushmore Electric Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 44% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 12th. Funding & liquidity contributes the most (100/100, 28% loans-to-deposits, 13% uninsured); capital cushion contributes the least (50/100, 10.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.00%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.50%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 28.4% · 13.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.28%

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 (71 → 72).

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202470
Q4 202467
Q1 202568
Q2 202571
Q3 202568
Q4 202571
Q1 202670
Q2 202672
Net worth ratio
7.00%9.04%11.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.76%
Q3 202411.07%
Q4 202410.93%
Q1 202510.90%
Q2 202510.81%
Q3 20259.88%
Q4 20259.76%
Q1 20269.79%
Q2 202610.00%
Delinquent loans (60+ days)
0.22%0.57%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.62%
Q4 20240.85%
Q1 20250.92%
Q2 20250.65%
Q3 20250.61%
Q4 20250.22%
Q1 20260.59%
Q2 20260.50%
Return on assets
0.24%0.57%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.40%
Q4 20240.34%
Q1 20250.52%
Q2 20250.62%
Q3 20250.60%
Q4 20250.61%
Q1 20260.84%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$29.3M10.00%0.50%0.90%28.4%
Q1 202670$29.2M9.79%0.59%0.84%29.1%
Q4 202571$28.7M9.76%0.22%0.61%28.6%
Q3 202568$27.8M9.88%0.61%0.60%30.3%
Q2 202571$25.0M10.81%0.65%0.62%33.4%
Q1 202568$24.4M10.90%0.92%0.52%33.6%
Q4 202467$24.0M10.93%0.85%0.34%35.0%
Q3 202470$23.6M11.07%0.62%0.40%36.5%
Q2 202469$23.9M10.76%0.45%0.24%37.3%

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 ratio10.00%
16th
Problem loans0.50%
58th
Net charge-offs0.00%
77th
Return on assets0.90%
63rd
Loans to deposits28.4%
90th
Uninsured deposits13.0%
4th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Avanti Federal Credit UnionCredit union Watertown, SD51 out of 100, Below average$31.8M11.3%4.00%vs
Consumer'S Federal Credit UnionCredit union Gregory, SD74 out of 100, Strong$21.4M9.7%0.14%vs
Lakota Federal Credit UnionCredit union Kyle, SD87 out of 100, Very strong$19.7M22.1%1.46%vs
Coteau Valley Federal Credit UnionCredit union Sisseton, SD56 out of 100, Moderate$18.8M10.0%1.98%vs
Huron Area Education Federal Credit UnionCredit union Huron, SD87 out of 100, Very strong$18.8M12.4%0.00%vs
Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD83 out of 100, Strong$40.7M20.6%1.10%vs

Deposit insurance

Is my money safe at Rushmore Electric Federal Credit Union?

Yes. Rushmore Electric Federal Credit Union is a federally insured credit union (NCUA charter #16444). 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 13.0% of shares and deposits ($3.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.00%, 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

Rushmore Electric Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rushmore Electric Federal Credit Union
Type
Federal credit union
NCUA charter #
16444
RSSD ID
611086
Primary regulator
NCUA
Established
1964
Headquarters
1805 Cambell St, Rapid City, SD 57701
Employees
3

Quick answers

Rushmore Electric Federal Credit Union: common questions

Is Rushmore Electric Federal Credit Union NCUA insured?

Yes. Rushmore Electric Federal Credit Union is a federally insured credit union (NCUA charter #16444). 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 Rushmore Electric 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 Rushmore Electric Federal Credit Union have?

1 office as of the latest NCUA data.

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
Dacotah Federal Credit UnionCredit union Rapid City, SD70 out of 100, Strong$11.1M10.1%0.00%vs