DAKOTA WEST
Charter #62380 · WATFORD CITY, ND · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,200 sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.33% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.28% sits at the 98th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 46th — a 28-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 WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $339.16M | 80th pct | 72th pct |
| Members | 7,200 | 13th pct | 21th pct |
| Net worth ratio | 13.30% | 72th pct | 66th pct |
| Return on average assets | 0.74% | 53th pct | 46th pct |
| Net interest margin | 3.22% | 24th pct | 44th pct |
| Cost of funds | 0.33% | 14th pct | 8th pct |
| Loan-to-share | 54.41% | 17th pct | 21th pct |
| Delinquency 60+ days | 4.28% | 99th pct | 98th pct |
| Net charge-off ratio | 0.09% | 18th pct | 46th pct |
| Loan growth YoY | -6.46% | 3th pct | 7th pct |
| Share growth YoY | 1.04% | 18th pct | 31th pct |
| Efficiency ratio | 80.84% | 59th pct | 67th pct |
structural peer set hash: b76764705643ec99bf9b6d5b2bdd4c1d… (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.