BLACK HILLS
Charter #4365 · Rapid City, SD · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.41% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 3.19% sits at the 23rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.55% sits at the 87th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 72nd — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BLACK HILLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.37B | 52th pct | 64th pct |
| Members | 108,871 | 46th pct | 57th pct |
| Net worth ratio | 10.45% | 42th pct | 43th pct |
| Return on average assets | 0.41% | 22th pct | 11th pct |
| Net interest margin | 3.19% | 40th pct | 23th pct |
| Cost of funds | 1.86% | 54th pct | 72th pct |
| Loan-to-share | 77.70% | 27th pct | 28th pct |
| Delinquency 60+ days | 0.69% | 58th pct | 54th pct |
| Net charge-off ratio | 0.54% | 53th pct | 59th pct |
| Loan growth YoY | -0.46% | 20th pct | 16th pct |
| Share growth YoY | 3.85% | 44th pct | 49th pct |
| Efficiency ratio | 82.55% | 85th pct | 87th pct |
structural peer set hash: 78e5ea72ce994ce7fea6881dc6fd25b5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.