State credit union · Edgeley, North Dakota · NCUA charter #63613
Dakota Plains
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $97.9M
- Total assets
- 4,241
- Members
- 11.9%
- Net-worth ratio
Dakota Plains scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.9M; members 4,241; net-worth ratio 11.94%; health rank #2,114 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,114 of 4,374 health · 2025Q4Dakota Plains · health 84/100 · $97.9M · 2025Q4
- BOOK 84/100
- CHARTER 11.9%
- NCUSIF 1.36%
- CAMELS 0.57%
- HEALTH $97.9M
- NW 4,241
- DELQ #2,114/4,374
- ROA Tennessee Members 1st
- ASSETS 63613
Call Report peers
Dakota Plains in the assets neighbourhood
Dakota Plains's $97.9M assets sit next to Tennessee Members 1st ($97.9M) 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
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
Dakota Plains - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63613, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Dakota Plains diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 94.20% here, 62.60% peer average (+31.60 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.68 pp (11.94% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Dakota standing for Dakota Plains
- Health composite ranks #16 of 29 among scored North Dakota credit unions.
- Assets rank #13 of 29 inside North Dakota ($97.9M reported).
- North Dakota membership ordinal: #10 of 29.
In-state ordinals use the live credit_unions table for ND only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Dakota Plains: 2025Q4 → 2026Q1
Dakota Plains: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $97.9M (2025Q4) to $94.4M (2026Q1).
- Net-worth ratio shifted +0.63 pp (11.31% → 11.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 12.9 pts
Dakota Plains health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | -1.68 pp |
| Delinquency Rate | 1.36% | +0.40 pp |
| Return on Assets | 0.57% | -0.09 pp |
| Member Growth | -0.09% | - |
| Loan-to-Share Ratio | 94.20% | +31.60 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.4M | - |
| 2025Q4 | $97.9M | 4,241 |
| 2024Q4 | $93.4M | 4,245 |
| 2023Q4 | $93.4M | 4,395 |
Credit Union Details
- Charter Number
- 63613
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- North Dakota
- City
- Edgeley
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Dakota Plains runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| DPCU - Edgeley (Main Office) | Edgeley, ND |
| DPCU - Ellendale | Ellendale, ND |
| DPCU - Enderlin | Enderlin, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
More federally-insured credit unions based in North Dakota, ordered by peer group match and asset size.
Other-state peers near Dakota Plains
Cross-state asset and health neighbours for Dakota Plains - kept outside North Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Dakota Plains ranks #2,114 of 4,374 nationally on financial health and #16 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affinity First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affinity First
- Rates and health both vary by institution, not just by state -- see how North Dakota credit unions compare overall before assuming this one is typical. North 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 84/100 (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 #2,114 of 4,374; by total assets it ranks #1,837 of 4,374 nationally (same basis as /rankings/largest); and #13 of 29 within North Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.94% net worth ratio and a 1.36% delinquency rate.
How does Dakota Plains compare to other credit unions?
Five weighted metrics from NCUA filings produce Dakota Plains's 84/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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?
Membership eligibility for Dakota Plains depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dakota Plains directly for current membership requirements 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 11.94% 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.