Area
Area is a credit union based in Aberdeen, South Dakota, established in 1935, with $200 million in total assets serving 11,751 members. By Trust Grade it ranks 1st of 33 credit unions we track in South Dakota. Its net worth ratio of 16.7% is stronger than 93% of similarly sized credit unions, versus a South Dakota median of 10.5%. It was profitable over the most recent period, with a 1.34% return on assets. No consumer complaints against Area appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Area compares to South Dakota peers
How we graded Area
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.7% capital ratio)
- Strongly profitable (ROA 1.34%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Area over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Area insured?
Yes. Area is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Area: frequently asked questions
Is Area a good credit union?
Area earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (16.7% capital ratio); Strongly profitable (ROA 1.34%).
Is Area NCUA-insured?
Yes. Area is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Area?
Area holds $200 million in total assets, ranking 1st of 33 credit unions we track in South Dakota. It serves 11,751 members.
Does Area have CFPB complaints?
No CFPB complaints against Area appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
