Federal credit union · Rapid City, South Dakota · NCUA charter #7021
Dacotah
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $10.7M
- Total assets
- 843
- Members
- 10.4%
- Net-worth ratio
Dacotah - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #7021 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Dacotah - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)84
- Member growth16
- Liquidity (loan-to-share)95
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.44% | 30% |
| Delinquency Rate | 0.04% | 25% |
| Return on Assets | 0.34% | 15% |
| Member Growth | -3.66% | 15% |
| Loan-to-Share Ratio | 66.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.7M | 843 |
| 2024Q4 | $11.6M | 875 |
| 2023Q4 | $12.2M | 899 |
Credit Union Details
- Charter Number
- 7021
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Rapid City
- Data Quarter
- 2025Q4
What This Data Says About Dacotah
843 members and $10.7M in total assets sit behind Dacotah, a federal credit union in Rapid City, South Dakota, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $6.3M in outstanding loans as of Q4 2025 and a net worth ratio of 10.44% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7021 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.04% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 66.46% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.34% on net income of $36K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.66%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Dacotah financially healthy?
Dacotah scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.44% net worth ratio and a 0.04% delinquency rate.
How does Dacotah compare to other credit unions?
Dacotah scores 84/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Dacotah?
Dacotah operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Dacotah directly for the exact boundaries and application steps.
Is my money safe at Dacotah?
Federal credit unions like Dacotah are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Dacotah's net worth ratio of 10.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dacotah offer compared to banks?
Credit unions like Dacotah are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Dacotah directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.