Federal credit union · Rapid City, South Dakota · NCUA charter #7021
DACOTAH
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $10.7M
- Total assets
- 843
- Members
- 10.2%
- Net-worth ratio
DACOTAH scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.7M; members 843; net-worth ratio 10.17%; health rank #2,155 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,155 of 4,374 health · 2025Q4DACOTAH · health 84/100 · $10.7M · 2025Q4
Call Report peers
DACOTAH in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
DACOTAH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); DACOTAH sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for DACOTAH
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +6.66 pp (66.46% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.17% vs peer 14.86% (-4.69 pp).
DACOTAH: in-state Call Report ranks
- Health composite ranks #21 of 33 among scored South Dakota credit unions.
- South Dakota assets place: #30 of 33.
- Membership ranks #31 of 33 among South Dakota CUs with a reported count (843 members).
- One place up in South Dakota, Healthcare Plus (#20) scores 85/100, 1 point higher; one place down, VOYAGE (#22) ties at 84/100.
DACOTAH: 2025Q4 → 2026Q1
DACOTAH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $10.7M (2025Q4) to $11.1M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.44% → 10.17%).
This credit union's 10.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
DACOTAH gives up 16 points in total. Member Growth costs the most, 12.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.6 pts
- Member Growth 2.4 pts
- Loan-to-Share Ratio 14.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -4.69 pp |
| Delinquency Rate | 0.04% | -1.11 pp |
| Return on Assets | 0.34% | -0.36 pp |
| Member Growth | -3.66% | - |
| Loan-to-Share Ratio | 66.46% | +6.66 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
DACOTAH filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.1M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for DACOTAH.
| Office | City |
|---|---|
| Dacotah FCU Main Office (Main Office) | Rapid City, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Cross-state Call Report peers for DACOTAH
Using this data
- DACOTAH ranks #2,155 of 4,374 nationally on financial health and #21 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MINUTEMAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MINUTEMAN
Frequently Asked Questions
Is DACOTAH financially healthy?
On its 2025Q4 NCUA 5300 filing, DACOTAH scores 84/100 (Excellent), with a 10.17% net worth ratio and 0.04% of loans delinquent. It ranks #2,155 of 4,374 nationally on health and #21 of 33 in South Dakota.
How does DACOTAH compare to other credit unions?
DACOTAH scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.46% vs 59.80%). Its widest shortfall is net worth ratio (10.17% vs 14.86%).
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?
DACOTAH is a federal credit union; its shares are federally 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 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.