DAKOTA RAIL LINE
Charter #9907 · HURON, SD · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 492 sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of 1.87% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.39% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 66.82% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 43rd percentile but its structural peers at the 16th — a 26-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 RAIL LINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.28M | 63th pct | 38th pct |
| Members | 492 | 43th pct | 16th pct |
| Net worth ratio | 16.56% | 46th pct | 61th pct |
| Return on average assets | 1.87% | 89th pct | 90th pct |
| Net interest margin | 5.39% | 84th pct | 90th pct |
| Cost of funds | 1.75% | 84th pct | 67th pct |
| Loan-to-share | 83.60% | 82th pct | 64th pct |
| Delinquency 60+ days | 1.24% | 57th pct | 70th pct |
| Net charge-off ratio | -0.00% | 22th pct | 30th pct |
| Loan growth YoY | -4.67% | 53th pct | 30th pct |
| Share growth YoY | 1.93% | 65th pct | 56th pct |
| Efficiency ratio | 66.82% | 22th pct | 23th pct |
structural peer set hash: 09598d6c68328f1b887fa53c9caa4f43… (reproducible)
Closest structural peers
This is the free public view
Claim DAKOTA RAIL LINE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.