DAKOTA PLAINS
Charter #63613 · Edgeley, ND · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,185 sits at the 23rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.97% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.36% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.81% sits at the 85th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 54th — a 38-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 | $94.42M | 92th pct | 54th pct |
| Members | 4,185 | 31th pct | 23th pct |
| Net worth ratio | 11.94% | 41th pct | 56th pct |
| Return on average assets | 0.66% | 46th pct | 52th pct |
| Net interest margin | 4.97% | 96th pct | 90th pct |
| Cost of funds | 0.36% | 16th pct | 20th pct |
| Loan-to-share | 95.56% | 98th pct | 87th pct |
| Delinquency 60+ days | 1.81% | 91th pct | 85th pct |
| Net charge-off ratio | 0.29% | 55th pct | 49th pct |
| Loan growth YoY | -7.04% | 9th pct | 2th pct |
| Share growth YoY | 4.08% | 65th pct | 77th pct |
| Efficiency ratio | 82.41% | 58th pct | 49th pct |
structural peer set hash: 8fc4ca633b83186df13b9bd8422519c6… (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.