State credit union · WATFORD CITY, North Dakota · NCUA charter #62380
Dakota West
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $336.1M
- Total assets
- 7,199
- Members
- 13.3%
- Net-worth ratio
Dakota West scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $336.1M; members 7,199; net-worth ratio 13.30%; health rank #3,087 of 4,374; healthier than 28th of scored peers.
NCUA 5300 Call Report masthead
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Dakota West vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Dakota West sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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 West vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 13.30% vs peer 12.11% (+1.19 pp).
- Loan-to-Share Ratio trails the peer set - 57.04% here, 72.20% peer average (-15.16 pp).
North Dakota standing for Dakota West
- In North Dakota, health place is #21 of 29 on the same NCUA-ratio sort used nationally.
- North Dakota assets place: #6 of 29.
- North Dakota membership ordinal: #7 of 29.
- One place up in North Dakota, RIVERFORK (#20) ties at 77/100; one place down, Western Cooperative (#22) scores 76/100, 1 point lower.
How Dakota West's 5300 filing moved
Dakota West: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $336.1M (2025Q4) to $339.2M (2026Q1).
- Net-worth ratio shifted +0.06 pp (13.24% → 13.30%).
At 13.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
Dakota West gives up 23 points in total. Delinquency Rate costs the most, 17.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 11.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.30% | +1.19 pp |
| Delinquency Rate | 2.77% | +1.87 pp |
| Return on Assets | 0.92% | +0.30 pp |
| Member Growth | 2.80% | - |
| Loan-to-Share Ratio | 57.04% | -15.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Dakota West quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $339.2M | - |
| 2025Q4 | $336.1M | 7,199 |
| 2024Q4 | $326.1M | 7,003 |
| 2023Q4 | $307.1M | 7,122 |
Credit Union Details
- Charter Number
- 62380
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Dakota
- City
- WATFORD CITY
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Dakota West runs 8 offices in 8 different cities.
| Office | City |
|---|---|
| Dakota West Credit Union (Main Office) | Watford City, ND |
| Dakota West Credit Union Bowman Branch | Bowman, ND |
| Dakota West CU - Grenora Branch | Grenora, ND |
| Dakota West Credit Union Mohall Branch | Mohall, ND |
| Dakota West Credit Union New England Branch | New England, ND |
| Dakota West CU-New Town Branch | New Town, ND |
| Dakota West Credit Union Turtle Lake Branch | Turtle Lake, ND |
| Dakota West CU-Washburn Branch | Washburn, ND |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Dakota
A look at other North Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Dakota West nationwide neighbourhoods
Using this data
- Dakota West ranks #3,087 of 4,374 nationally on financial health and #21 of 29 in ND -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOMETOWN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOMETOWN
Frequently Asked Questions
Is Dakota West financially healthy?
Dakota West has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,087 of 4,374 nationally on health and #21 of 29 in North Dakota. Its net worth ratio is 13.30% and its delinquency rate 2.77%.
How does Dakota West compare to other credit unions?
Dakota West scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.30% vs 12.11%). Its widest shortfall is loan-to-share ratio (57.04% vs 72.20%).
How can I join Dakota West?
Membership eligibility for Dakota West depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Dakota West directly for current membership requirements and application steps.
Is my money safe at Dakota West?
Dakota West is a state-chartered 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 West's net worth ratio of 13.30% 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.