BLACK HILLS
Federal • Rapid City, South Dakota • Est. 1941
Quick Facts
- Charter Number
- #4365
- Type
- Federal
- Established
- 1941
- Headquarters
- Rapid City, South Dakota 57709-1420
- Address
- PO Box 1420
- Branches
- 21
- ATMs
- 18
- Members
- 108,769
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
108,769 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | BLACK HILLS |
|---|---|
| Total Assets | $2.3B |
| Members | 108,769 |
| Loans Outstanding | $1.7B |
| Shares & Deposits | $2.1B |
| Net Worth | $245.7M |
| Net Worth Ratio | 10.58% |
| Loan-to-Share Ratio | 80.2% |
| Delinquency Rate | 0.91% |
| Net Income | +$19,444,271 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
21 locations · 18 ATMs
Downtown Member Service Center
200 E Main St
Rapid City, SD 57701-2929
East North Member Service Center
725 E North St
Rapid City, SD 57701-1646
Elk Vale Member Service Center
950 Elk Vale Rd
Rapid City, SD 57703-5705
Plaza Drive Member Service Center
2700 N Plaza Dr
Rapid City, SD 57702-9303
Mountain View Member Service Center
850 Mountain View Rd
Rapid City, SD 57702-2520
Who Can Join BLACK HILLS?
Membership Type: Occupational
Membership eligibility for BLACK HILLS may vary. Contact the credit union directly to confirm qualification requirements.
Contact BLACK HILLS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View South Dakota RankingsFrequently Asked Questions
Yes. BLACK HILLS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, BLACK HILLS has 108,769 members and a potential membership field of 998,461 people.
BLACK HILLS's net worth ratio is 10.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, BLACK HILLS meets this threshold.
BLACK HILLS operates 21 branch locations and has access to 18 ATMs. The main office is located at 2700 N Plaza Dr, Rapid City, SD 57702-9303.
BLACK HILLS was established in 1941. It is a federal credit union chartered under charter number 4365. The institution has been serving members for 85 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or BLACK HILLS. All financial data is for informational purposes only.