Explorers Credit Union

Overview / Commentary
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 1,942nd largest credit union in the nation. It was established in 1962 and as of March of 2020, it had grown to 22 employees and 7,777 members at 4 locations. Explorers Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership to Explorers Credit Union is open to those who live, work, worship, or attend school in the South Dakota counties of Bon Homme, Clay, Douglas, Hutchinson, Turner, Lincoln, or Yankton, or the Nebraska counties of Antelope, Boone, Cedar, Holt, Knox, Madison, Pierce, Platte, Stanton, Wayne, or Wheeler.
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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

NCUA #14874
Year Chartered1962
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD5.34%
Annual Interest Income$649.00K
Assets and Liabilities
AssetsQ1 2020vs Q1 2019$74.9MM$70.2MM
LoansQ1 2020vs Q1 2019$50.5MM$47.5MM
DepositsQ1 2020vs Q1 2019$67.9MM$63.6MM
Equity CapitalQ1 2020vs Q1 2019$6.4MM$6.0MM
Loan Loss AllowanceQ1 2020vs Q1 2019$124.00K$101.00K
Unbacked Noncurrent LoansQ1 2020vs Q1 2019$181.00K$68.00K
Real Estate OwnedQ1 2020vs Q1 2019$0$0
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Explorers Credit Union Savings Account Rates

0.05%$100-Share Savings Account
0.05%$100-Sub-Share Savings Account

Explorers Credit Union CD Rates

5.10%$100$50036 Month Youth Share Certificate - Special
1.10%$500-60 Month Share Certificate
1.00%$500-48 Month Share Certificate
0.80%$500-36 Month Share Certificate
0.70%$500-30 Month Share Certificate
0.60%$500-24 Month Share Certificate
0.55%$500-18 Month Share Certificate
0.50%$500-12 Month Share Certificate
0.30%$500-182 Day Share Certificate
0.25%$500-91 Day Share Certificate

Explorers Credit Union IRA Rates

1.10%$500-60 Month IRA
1.00%$500-48 Month IRA
0.80%$500-36 Month IRA
0.70%$500-30 Month IRA
0.60%$500-24 Month IRA
0.55%$500-18 Month IRA
0.50%$500-12 Month IRA
0.30%$500-182 Day IRA
0.25%$500-91 Day IRA

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
Branch Office730 E 1st StTea, SD 57064

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