Federal credit union · Lemmon, South Dakota · NCUA charter #11526
Dakota Plains
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $85.8M
- Total assets
- 4,855
- Members
- 8.6%
- Net-worth ratio
Dakota Plains scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $85.8M; members 4,855; net-worth ratio 8.59%; health rank #1,016 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,016 of 4,374 health · 2025Q4Dakota Plains · health 91/100 · $85.8M · 2025Q4
- DELQ 91/100
- ROA 8.6%
- ASSETS 0.35%
- MEM 1.02%
- RANK $85.8M
- PHOTO 4,855
- BOOK #1,016/4,374
- CHARTER Southwest Research Center
- NCUSIF 11526
Call Report peers
Dakota Plains in the assets neighbourhood
Dakota Plains's $85.8M assets sit next to Southwest Research Center ($85.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dakota Plains vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% 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
Dakota Plains - Share Insurance Coverage
Charter #11526's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Dakota Plains
- Largest favorable gap: Loan-to-Share Ratio at 64.93% vs peer 62.60% (+2.33 pp).
- Largest lag: Net Worth Ratio at 8.59% vs peer 13.62% (-5.03 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Dakota Plains: in-state Call Report ranks
- South Dakota health ordinal: #16 of 33.
- By total assets, Dakota Plains is #13 of 33 in South Dakota.
- Membership ranks #14 of 33 among South Dakota CUs with a reported count (4,855 members).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Dakota Plains's 5300 filing moved
Dakota Plains: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $85.8M (2025Q4) to $86.2M (2026Q1).
- Net-worth ratio shifted +0.17 pp (8.42% → 8.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.59% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.9 pts
Dakota Plains health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -5.03 pp |
| Delinquency Rate | 0.35% | -0.61 pp |
| Return on Assets | 1.02% | +0.36 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 64.93% | +2.33 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Dakota Plains
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $86.2M | - |
| 2025Q4 | $85.8M | 4,855 |
| 2024Q4 | $77.0M | 4,791 |
| 2023Q4 | $69.9M | 4,798 |
Credit Union Details
- Charter Number
- 11526
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- South Dakota
- City
- Lemmon
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Dakota Plains runs 5 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| Dakota Plains Federal Credit Union (Main Office) | Lemmon, SD |
| Dakota Plains Federal Credit Union | Bison, SD |
| Dakota Plains Federal Credit Union | Faith, SD |
| Dakota Plains Federal Credit Union | Hettinger, ND |
| Dakota Plains Federal Credit Union | Pierre, 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 Dakota Plains
Cross-state asset and health neighbours for Dakota Plains - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($85.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Dakota Plains ranks #1,016 of 4,374 nationally on financial health and #16 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NORSTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NORSTAR
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Dakota Plains financially healthy?
Dakota Plains scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,016 of 4,374; by total assets it ranks #1,961 of 4,374 nationally (same basis as /rankings/largest); and #13 of 33 within South Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.59% net worth ratio and a 0.35% delinquency rate.
How does Dakota Plains compare to other credit unions?
On PlainCU's health composite, Dakota Plains lands at 91/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Dakota Plains?
Dakota Plains 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 Dakota Plains directly for the exact boundaries and application steps.
Is my money safe at Dakota Plains?
Federal credit unions like Dakota Plains 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. Dakota Plains's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dakota Plains offer compared to banks?
Credit unions like Dakota Plains 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 Dakota Plains directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.