Federal credit union · RAPID CITY, South Dakota · NCUA charter #8039
Dakota Star
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $43.3M
- Total assets
- 3,002
- Members
- 8.4%
- Net-worth ratio
Dakota Star scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.3M; members 3,002; net-worth ratio 8.40%; health rank #2,353 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,353 of 4,374 health · 2025Q4Dakota Star · health 83/100 · $43.3M · 2025Q4
- CHARTER 83/100
- NCUSIF 8.4%
- CAMELS 1.11%
- HEALTH 0.53%
- NW $43.3M
- DELQ 3,002
- ROA #2,353/4,374
- ASSETS Hockley County
- MEM 8039
Call Report peers
Dakota Star in the assets neighbourhood
Dakota Star's $43.3M assets sit next to Hockley County ($43.3M) 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 Star 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
83 46th percentile higher than 46% 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 Star - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8039 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Dakota Star: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 69.80% here, 59.80% peer average (+10.00 pp).
- Net Worth Ratio trails the peer set - 8.40% here, 14.86% peer average (-6.46 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Dakota Star: in-state Call Report ranks
- South Dakota health ordinal: #23 of 33.
- South Dakota assets place: #18 of 33.
- Member book place in South Dakota: #20 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.
How Dakota Star's 5300 filing moved
Dakota Star: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $43.3M (2025Q4) to $46.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (8.72% → 8.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.40% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 26.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for Dakota Star
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.40% | -6.46 pp |
| Delinquency Rate | 1.11% | -0.04 pp |
| Return on Assets | 0.53% | -0.17 pp |
| Member Growth | -0.46% | - |
| Loan-to-Share Ratio | 69.80% | +10.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Dakota Star filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.5M | - |
| 2025Q4 | $43.3M | 3,002 |
| 2024Q4 | $40.1M | 3,016 |
| 2023Q4 | $39.6M | 2,521 |
Credit Union Details
- Charter Number
- 8039
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- RAPID CITY
- Data Quarter
- 2025Q4
Branch Locations (2)
Dakota Star operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| DAKOTA STAR FCU (Main Office) | RAPID CITY, SD |
| 1636 E St Patrick St | 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.
Dakota Star nationwide neighbourhoods
Cross-state asset and health neighbours for Dakota Star - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($43.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Dakota Star ranks #2,353 of 4,374 nationally on financial health and #23 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- M O is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with M O
- 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 Star financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Dakota Star carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,353 of 4,374; by total assets it ranks #2,529 of 4,374 nationally (same basis as /rankings/largest); and #18 of 33 within South Dakota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.40% net worth ratio and a 1.11% delinquency rate.
How does Dakota Star compare to other credit unions?
PlainCU's health composite puts Dakota Star at 83/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Star?
Dakota Star 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 Star directly for the exact boundaries and application steps.
Is my money safe at Dakota Star?
Federal credit unions like Dakota Star 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 Star's net worth ratio of 8.40% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Dakota Star offer compared to banks?
Credit unions like Dakota Star 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 Star 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.