Explorers Credit Union


Overview / Commentary
605-665-4309
609 W 21st St
Yankton, SD 57078

Explorers Credit Union is headquartered in Yankton and is the 12th largest credit union in the state of South Dakota. It is also the 1,941st largest credit union in the nation. It was established in 1962 and as of December of 2019, it had grown to 20 employees and 7,711 members at 3 locations. Explorers Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership to Explorers Credit Union is open to the following: 1) those who live, work, attend school or worship in Bon Homme, Yankton, Clay, Douglas, Hutchinson, Turner and Lincoln in South Dakota; 2) those who live, work, attend school or worship in Holt, Knox, Cedar, Wheeler, Antelope, Pierce, Wayne, Boone, Madison, Stanton and Platte in Nebraska.
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Health
B+
Additional 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. Explorers Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #14874
Year Chartered1962
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD6.69%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$72.7MM$65.7MM
LoansQ4 2019vs Q4 2018$50.2MM$46.8MM
DepositsQ4 2019vs Q4 2018$65.7MM$58.9MM
Equity CapitalQ4 2019vs Q4 2018$6.3MM$5.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$124.00K$107.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$141.00K$115.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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Explorers Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Share Savings Account
0.05%$100-Sub-Share Savings Account

Explorers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%$100$50036 Month Youth Share Certificate - Special
1.21%$500-60 Month Share Certificate
1.10%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.90%$500-30 Month Share Certificate
0.85%$500-24 Month Share Certificate
0.75%$500-18 Month Share Certificate
0.65%$500-12 Month Share Certificate
0.40%$500-182 Day Share Certificate
0.30%$500-91 Day Share Certificate

Explorers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$500-60 Month IRA
1.10%$500-48 Month IRA
1.00%$500-36 Month IRA
0.90%$500-30 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.65%$500-12 Month IRA
0.40%$500-182 Day IRA
0.30%$500-91 Day IRA
Locations


Explorers Credit Union Locations
Branch Office302 S SD Highway 37Parkston, SD 57366
Branch Office1501 Walnut STSpringfield, SD 57062
Branch Office609 W 21st StYankton, SD 57078

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