NORTHERN HILLS
Federal • STURGIS, South Dakota • Est. 1950
Quick Facts
- Charter Number
- #6986
- Type
- Federal
- Established
- 1950
- Headquarters
- STURGIS, South Dakota 57785
- Address
- PO BOX 759
- Branches
- 5
- ATMs
- 5
- Members
- 12,288
- Membership Type
- Community
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
12,288 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN HILLS |
|---|---|
| Total Assets | $186.7M |
| Members | 12,288 |
| Loans Outstanding | $151.1M |
| Shares & Deposits | $166.0M |
| Net Worth | $18.8M |
| Net Worth Ratio | 10.07% |
| Loan-to-Share Ratio | 91.0% |
| Delinquency Rate | 0.45% |
| Net Income | +$2,736,112 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
NHFCU01
Main Office1080 MAIN ST
STURGIS, SD 57785
NHFCU03
2430 Platinum Dr
SPEARFISH, SD 57783
NHFCU04
113 Comanche Rd
Fort Meade, SD 57741
NHFCU05
78 Cliff St
Deadwood, SD 57732
NHFCU06
2211 Dakota Ave
Belle Fourche, SD 57717
Who Can Join NORTHERN HILLS?
Membership Type: Community
Membership eligibility for NORTHERN HILLS may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN 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. NORTHERN 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, NORTHERN HILLS has 12,288 members and a potential membership field of 886,667 people.
NORTHERN HILLS's net worth ratio is 10.07% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.1%, NORTHERN HILLS meets this threshold.
NORTHERN HILLS operates 5 branch locations and has access to 5 ATMs. The main office is located at 1080 MAIN ST, STURGIS, SD 57785.
NORTHERN HILLS was established in 1950. It is a federal credit union chartered under charter number 6986. The institution has been serving members for 76 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN HILLS. All financial data is for informational purposes only.