LAKOTA
Charter #24847 · Kyle, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,125 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 22.62% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -3.28% sits at the 5th percentile of structural peers — worth a closer look.
- Net interest margin of 3.13% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.71% sits at the 93rd percentile of structural peers — worth a closer look.
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 | LAKOTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.28M | 34th pct | 34th pct |
| Members | 4,125 | 92th pct | 92th pct |
| Net worth ratio | 22.62% | 91th pct | 84th pct |
| Return on average assets | -3.28% | 1th pct | 5th pct |
| Net interest margin | 3.13% | 20th pct | 13th pct |
| Cost of funds | 2.71% | 97th pct | 93th pct |
| Loan-to-share | 69.87% | 70th pct | 46th pct |
| Delinquency 60+ days | 0.72% | 56th pct | 52th pct |
| Net charge-off ratio | -0.54% | 2th pct | 0th pct |
| Loan growth YoY | 2.31% | 83th pct | 87th pct |
| Share growth YoY | 8.20% | 91th pct | 92th pct |
| Efficiency ratio | 111.94% | 95th pct | 97th pct |
structural peer set hash: ee23f8559a4e80a2096cc590412ca325… (reproducible)
Closest structural peers
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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.