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
Call Report peers
Dakota Star in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Dakota Star sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in South Dakota, VOYAGE (#22) scores 84/100, 1 point higher; one place down, Sioux Valley Coop (#24) scores 81/100, 2 points lower.
How Dakota Star's 5300 filing moved
Dakota Star: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.2% from $43.3M (2025Q4) to $46.5M (2026Q1).
- Net-worth ratio shifted -0.32 pp (8.72% → 8.40%).
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
Dakota Star gives up 17 points in total. Member Growth costs the most, 6.8 of its 15; Loan-to-Share Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Dakota Star financially healthy?
On its 2025Q4 NCUA 5300 filing, Dakota Star scores 83/100 (Excellent), with a 8.40% net worth ratio and 1.11% of loans delinquent. It ranks #2,353 of 4,374 nationally on health and #23 of 33 in South Dakota.
How does Dakota Star compare to other credit unions?
Dakota Star scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.80% vs 59.80%). Its widest shortfall is net worth ratio (8.40% vs 14.86%).
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?
Dakota Star 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 Star's net worth ratio of 8.40% 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.