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
Call Report peers
Dakota Plains in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Dakota Plains sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in South Dakota, CONSUMER'S (#15) ties at 91/100; one place down, M O (#17) scores 90/100, 1 point lower.
How Dakota Plains's 5300 filing moved
Dakota Plains: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $85.8M (2025Q4) to $86.2M (2026Q1).
- Net-worth ratio shifted +0.17 pp (8.42% → 8.59%).
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
Dakota Plains gives up 9 points in total. Member Growth costs the most, 4.4 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Dakota Plains financially healthy?
On its 2025Q4 NCUA 5300 filing, Dakota Plains scores 91/100 (Excellent), with a 8.59% net worth ratio and 0.35% of loans delinquent. It ranks #1,016 of 4,374 nationally on health and #16 of 33 in South Dakota.
How does Dakota Plains compare to other credit unions?
Dakota Plains scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (64.93% vs 62.60%). Its widest shortfall is net worth ratio (8.59% vs 13.62%).
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?
Dakota Plains 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. Dakota Plains's net worth ratio of 8.59% 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.