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BLACK HILLS

Rapid City, SD · Federal Credit Union · Chartered in SD

LICUWell Capitalized

Who can join

Multiple / other

Charter #4365Est. 1941RSSD: 187871

Members

108,871

Net Worth Ratio

10.45%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$2.37B

Peer Group 6

Members

108,871

as of latest quarter

Net Worth Ratio

10.45%

Well Capitalized

Institution Profile

NCUA

Address

Po Box 1420, Rapid City, SD 57709-1420

Chartered

1941

Branch Locations

21 locations

Membership Eligibility

Multiple / other

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$2.37B

Total Shares

$2.13B

Total Loans

$1.65B

Net Income

$2.4M

Net Worth Ratio

10.45%

≥7% = Well Capitalized

Members

108,871

Return on Assets

0.10%

annualized · >0.5% healthy

Delinquency Rate (60d+)

0.54%

$8.9M

Loan-to-share ratio: 77.7%· healthy range 60–80%

Branch Locations

NCUA

Corporate

2700 N Plaza Dr, Rapid City, SD, 57702-9303

8:00 am - 5:00 pm Monday through Friday

Main

East North Member Service Center

725 E North St, Rapid City, SD, 57701-1646

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:00 a.m. - 5:30 p.m. ? Monday through Thursday 7:0

ATMDrive-thru

Elk Vale Member Service Center

950 Elk Vale Rd, Rapid City, SD, 57703-5705

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:00 a.m. - 5:30 p.m. ? Monday through Thursday 7:0

ATMDrive-thru

Plaza Drive Member Service Center

2700 N Plaza Dr, Rapid City, SD, 57702-9303

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:00 a.m. - 5:30 p.m. ? Monday through Thursday

ATMDrive-thru

Mountain View Member Service Center

850 Mountain View Rd, Rapid City, SD, 57702-2520

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:00 a.m. - 5:30 p.m. ? Monday through Thursday 7:0

ATMDrive-thru

Custer Member Service Center

1135 Mount Rushmore Rd, Custer, SD, 57730-1726

Office hours 9:00 a.m. - 6:00 p.m. ? Monday-Friday 9:00 a.m. - 12:00 noon ? Saturday Drive-up hours 8:00 a.m. - 6:00 p.m. ?

ATMDrive-thru

Hot Springs Member Service Center

330 S Chicago St, Hot Springs, SD, 57747-2324

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:30 a.m. - 5:30 p.m. ? Monday through Friday 9:00

ATMDrive-thru

Spearfish Member Service Center

835 N Main St, Spearfish, SD, 57783-2037

Lobby hours 9:00 a.m. - 5:00 p.m. ? Monday through Friday Drive-up hours 7:30 a.m. - 5:30 p.m. ? Monday through Friday 8:00

ATMDrive-thru

WALL MEMBER SERVICE CENTER

115 S Blvd W, WALL, SD, 57790

M-F 9-5 LOBBY M-F 8-5:30 DRIVE UP SAT 9-12 DRIVE UP

ATMDrive-thru

Cheyenne River Member Service Center

PO Box 620, Eagle Butte, SD, 57625-0620

Monday - Friday: 9:00 - 3:00Open until 4:00 of Friday Tribal Paydays

Drive-thru

11 more locations not shown.

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.