Federal credit union · HURON, South Dakota · NCUA charter #9907
Dakota Rail Line
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $5.2M
- Total assets
- 493
- Members
- 16.6%
- Net-worth ratio
Dakota Rail Line scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.2M; members 493; net-worth ratio 16.56%; health rank #898 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#898 of 4,374 health · 2025Q4Dakota Rail Line · health 91/100 · $5.2M · 2025Q4
- BOOK 91/100
- CHARTER 16.6%
- NCUSIF 0.02%
- CAMELS 1.48%
- HEALTH $5.2M
- NW 493
- DELQ #898/4,374
- ROA n/a
- ASSETS 9907
Call Report peers
Dakota Rail Line carries $5.2M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Dakota Rail Line 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 Rail Line - Share Insurance Coverage
Charter #9907'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 Rail Line
- Largest favorable gap: Loan-to-Share Ratio at 89.54% vs peer 63.60% (+25.94 pp).
- Net Worth Ratio trails the peer set - 16.56% here, 19.06% peer average (-2.50 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Dakota standing for Dakota Rail Line
- In South Dakota, health place is #13 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, Dakota Rail Line is #31 of 33 in South Dakota.
- Member book place in South Dakota: #33 of 33.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Dakota Rail Line: 2025Q4 → 2026Q1
Dakota Rail Line: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $5.2M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted +0.17 pp (16.39% → 16.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.8 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.56% | -2.50 pp |
| Delinquency Rate | 0.02% | -1.79 pp |
| Return on Assets | 1.48% | +1.02 pp |
| Member Growth | -1.79% | - |
| Loan-to-Share Ratio | 89.54% | +25.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Dakota Rail Line
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.3M | - |
| 2025Q4 | $5.2M | 493 |
| 2024Q4 | $5.0M | 502 |
| 2023Q4 | $4.5M | 514 |
Credit Union Details
- Charter Number
- 9907
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- South Dakota
- City
- HURON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Dakota Rail Line.
| Office | City |
|---|---|
| DAKOTA RAIL LINE MAIN BRANCH (Main Office) | HURON, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
A look at other South Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Dakota Rail Line
Dakota Rail Line's nationwide photo peers by assets and by health score, excluding South Dakota charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Dakota Rail Line ranks #898 of 4,374 nationally on financial health and #13 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SISSETON-WAHPETON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SISSETON-WAHPETON
- 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 Rail Line financially healthy?
Dakota Rail Line 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 #898 of 4,374; by total assets it ranks #3,874 of 4,374 nationally (same basis as /rankings/largest); and #31 of 33 within South Dakota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 16.56% net worth ratio and a 0.02% delinquency rate.
How does Dakota Rail Line compare to other credit unions?
On PlainCU's health composite, Dakota Rail Line lands at 91/100, compared to a peer group average for $2M–$10M 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 Rail Line?
Dakota Rail Line 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 Rail Line directly for the exact boundaries and application steps.
Is my money safe at Dakota Rail Line?
Federal credit unions like Dakota Rail Line 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 Rail Line's net worth ratio of 16.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dakota Rail Line offer compared to banks?
Credit unions like Dakota Rail Line 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 Rail Line 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.