Sep, 30, 2025 — NORTHERN HILLS FEDERAL CREDIT UNION is a federal credit union headquartered in STURGIS, SD with 5 branch locations and about $177.35 million in total assets. Opened 76 years ago in 1950, NORTHERN HILLS FEDERAL CREDIT UNION has about 12,038 members and employs 39 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTHERN HILLS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1080 MAIN ST STURGIS, SD 57785 |
| Phone: | (605) 720-6750 |
| Fax: | (605) 347-3021 |
| Website: | https://www.northernhillsfcu.org |
| Branches: | 5 branch locations |
| Members: | 12,038 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6986 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1950 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $177,352,134 |
| CEO/Manager: | Misty M Winter |
| Chairperson: | Laura Prosser |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,082,962 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 60,009,704 |
| Unsecured Loans | 3,147,679 |
| Other Loans | 69,717,973 |
| TOTAL LOANS | 140,815,973 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -653,072 |
| Land And Building | 4,720,333 |
| Other Fixed Assets | 2,061,723 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,355,443 |
| All Other Assets | 90,423 |
| TOTAL ASSETS | 177,352,134 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 4,500,000 |
| Accounts Payable & Other Liabilities | 1,807,195 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 29,213,653 |
| Regular shares | 44,812,879 |
| All Other Shares & Deposits | 78,973,427 |
| TOTAL SHARES & DEPOSITS | 152,999,959 |
| TOTAL LIABILITIES | 159,307,154 |
| Regular Reserve | 0 |
| Other Reserves | 2,620,723 |
| Undivided Earnings | 15,424,257 |
| TOTAL EQUITY | 18,044,980 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 177,352,134 |
| INCOME & EXPENSE | |
| Loan Income | 7,068,554 |
| Investment Income | 375,762 |
| Other Income | 1,035,067 |
| Total Employee Compensation & Benefits | 2,280,165 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,873,391 |
| Non-operating Income & (Expense) | -14,700 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 507,860 |
| Cost of Funds | 2,121,855 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,490,343 |
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