Ft Randall vs Huron Area Education
Comparing a Credit Union in Wagner, SD with a Credit Union in Huron, SD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Ft Randall ↗ Credit Union · Wagner, SD · Est. 1951 | Huron Area Education ↗ Credit Union · Huron, SD · Est. 1952 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Wagner, SD | Huron, SD |
| Total assets | $44.9M | $18.5M |
| Net worth ratio | 17.1% | 12.3% |
| Return on assets | 1.7% | 1.1% |
| Shares & deposits | — | — |
| Members | 3,418 | 854 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 33 | #5 of 33 |
| Established | 1951 | 1952 |
Ft Randall
- Assets: $44.9M
- Members: 3,418
- Capital ratio: 17.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #4 of 33
Huron Area Education
- Assets: $18.5M
- Members: 854
- Capital ratio: 12.3%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #5 of 33
Are both institutions federally insured?
Yes. Ft Randall is NCUA-insured and Huron Area Education is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Ft Randall or Huron Area Education?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Ft Randall scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Ft Randall safe?
Yes — Ft Randall is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Huron Area Education safe?
Yes — Huron Area Education is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Ft Randall vs Huron Area Education?
Ft Randall has a net worth ratio of 17.1%, placing it in the top 33% of <$100M peers. Huron Area Education's ratio is 12.3%, placing it in the bottom 35% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Ft Randall have compared to Huron Area Education?
The CFPB database shows 0 complaints against Ft Randall, and 0 complaints against Huron Area Education. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Ft Randall with other Credit Unions in South Dakota
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
