Overview / Commentary
Consumer's Federal Credit Union (SD) is headquartered in Gregory and is the 24th largest credit union in the state of South Dakota. It is also the 3,259th largest credit union in the nation. It was established in 1977 and as of December of 2024, it had grown to 4 employees and 1,561 members at 1 location. Consumer's Federal Credit Union (SD)'s CD rates are 3X the national average, and it has a B health rating.
Field of Membership Restrictions
Membership in Consumer's Federal Credit Union is open to those who live, work, worship, or attend school worship in Gregory County, South Dakota, and the surrounding areas. Immediate family members of individuals eligible to join also qualify for membership.
See current membership details
Health
B
Data as of Q4 2024
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Consumer's Federal Credit Union (SD) has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 22719 |
| Year Chartered | 1977 |
| Employees | 4 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.91% |
| Return on Equity - YTD | 9.9% |
| Annual Interest Income | $912K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $19.1MM$18.1MM |
| Loans | Q4 2024vs Q4 2023 | $10.2MM$10.9MM |
| Deposits | Q4 2024vs Q4 2023 | $17.3MM$16.5MM |
| Equity Capital | Q4 2024vs Q4 2023 | $1.7MM$1.6MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $119K$132K |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $24K$21K |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |