Sturgis, South Dakota · Peer group 5
Northern Hills Credit Union
Northern Hills Credit Union holds $196.6M in assets across 12,667 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1950. Charter number 6986, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $196.6M |
|---|---|
| Total loans | $161.1M |
| Total shares (deposits) | $175.3M |
| Net worth | $19.2M |
| Members | 12,667 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 15.9% | |
|---|---|---|
| Loans | 21.8% | higher than 98% of its peer group |
| Deposits | 17.5% | higher than 100% of its peer group |
| Members | 6.6% | higher than 96% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 91.9% | higher than 91% of its peer group |
|---|---|---|
| Net worth ratio | 9.8% | around the 25th percentile of its peer group |
| Return on assets | 0.84% | around the 61st percentile of its peer group |
| Delinquency ratio | 0.40% | around the 31st percentile of its peer group |
| Cash / assets | 3.3% | lower than 95% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Northern Hills Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within South Dakota — the comparison set a peer ratio is measured against.
- Sentinel Credit Union
BOX ELDER, SD
$197.0M · 9,857 members
- Area Credit Union
ABERDEEN, SD
$200.2M · 11,751 members
- Service First Credit Union
Sioux Falls, SD
$210.1M · 16,466 members
- Bluestone Credit Union
Sioux Falls, SD
$212.6M · 11,714 members
- Aspen Credit Union
Rapid City, SD
$167.2M · 8,383 members
- Highmark Credit Union
RAPID CITY, SD
$260.1M · 13,724 members
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