RANKING ·
Lowest efficiency ratio in South Dakota
12 of 33 credit unions in South Dakota that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Dakotaland Federal Credit Union | Huron, SD | 66.0% | $752 million |
| 2 | Area Federal Credit Union | Aberdeen, SD | 69.5% | $200 million |
| 3 | Voyage Federal Credit Union | Sioux Falls, SD | 71.6% | $285 million |
| 4 | Northern Hills Federal Credit Union | Sturgis, SD | 73.3% | $205 million |
| 5 | Levo Federal Credit Union | Sioux Falls, SD | 73.5% | $516 million |
| 6 | Service First Federal Credit Union | Sioux Falls, SD | 77.7% | $210 million |
| 7 | Aspen Federal Credit Union | Rapid City, SD | 78.6% | $173 million |
| 8 | Bluestone Federal Credit Union | Sioux Falls, SD | 80.0% | $206 million |
| 9 | Black Hills Federal Credit Union | Rapid City, SD | 81.6% | $2.4 billion |
| 10 | Highmark Federal Credit Union | Rapid City, SD | 81.7% | $258 million |
| 11 | Sentinel Federal Credit Union | Box Elder, SD | 82.8% | $199 million |
| 12 | Explorers Federal Credit Union | Yankton, SD | 91.8% | $111 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings