DAKOTA PLAINS
Charter #11526 · Lemmon, SD · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.59% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 4.27% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 48th — a 31-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 | DAKOTA PLAINS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.15M | 79th pct | 48th pct |
| Members | 4,900 | 47th pct | 26th pct |
| Net worth ratio | 8.59% | 7th pct | 11th pct |
| Return on average assets | 0.80% | 56th pct | 44th pct |
| Net interest margin | 4.27% | 81th pct | 84th pct |
| Cost of funds | 1.06% | 59th pct | 39th pct |
| Loan-to-share | 67.70% | 62th pct | 51th pct |
| Delinquency 60+ days | 0.30% | 29th pct | 34th pct |
| Net charge-off ratio | 0.02% | 21th pct | 20th pct |
| Loan growth YoY | -1.44% | 51th pct | 28th pct |
| Share growth YoY | 16.44% | 99th pct | 97th pct |
| Efficiency ratio | 81.39% | 55th pct | 67th pct |
structural peer set hash: 8c5d58f50abbcdae9d9f74fb6bfab2cb… (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.