Federal credit union · Kyle, South Dakota · NCUA charter #24847
LAKOTA
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $19.2M
- Total assets
- 4,197
- Members
- 22.6%
- Net-worth ratio
LAKOTA scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.2M; members 4,197; net-worth ratio 22.62%; health rank #561 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#561 of 4,374 health · 2025Q4LAKOTA · health 93/100 · $19.2M · 2025Q4
Call Report peers
LAKOTA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LAKOTA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LAKOTA sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LAKOTA
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +10.57 pp (70.37% vs 59.80%).
South Dakota standing for LAKOTA
- In South Dakota, health place is #6 of 33 on the same NCUA-ratio sort used nationally.
- By total assets, LAKOTA is #25 of 33 in South Dakota.
- Member book place in South Dakota: #15 of 33.
- One place up in South Dakota, NORSTAR (#5) scores 95/100, 2 points higher; one place down, Black Hills (#7) ties at 93/100.
Quarter path for LAKOTA
LAKOTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $19.2M (2025Q4) to $19.3M (2026Q1).
- Net-worth ratio shifted -0.45 pp (23.07% → 22.62%).
22.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
LAKOTA gives up 7 points in total. Member Growth costs the most, 7.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 15.2 pts
LAKOTA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.62% | +7.76 pp |
| Delinquency Rate | 0.43% | -0.71 pp |
| Return on Assets | 4.46% | +3.75 pp |
| Member Growth | -0.66% | - |
| Loan-to-Share Ratio | 70.37% | +10.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - LAKOTA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.3M | - |
| 2025Q4 | $19.2M | 4,197 |
| 2024Q4 | $16.2M | 4,225 |
| 2023Q4 | $13.7M | 4,094 |
Credit Union Details
- Charter Number
- 24847
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Kyle
- Data Quarter
- 2025Q4
Branch Location
LAKOTA operates a single office in Kyle, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lakota Federal Credit Union (Main Office) | Kyle, 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.
Cross-state Call Report peers for LAKOTA
Similar total assets
Similar health score
Using this data
- LAKOTA ranks #561 of 4,374 nationally on financial health and #6 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONSUMER'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONSUMER'S
Frequently Asked Questions
Is LAKOTA financially healthy?
LAKOTA has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #561 of 4,374 nationally on health and #6 of 33 in South Dakota. Its net worth ratio is 22.62% and its delinquency rate 0.43%.
How does LAKOTA compare to other credit unions?
LAKOTA scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.37% vs 59.80%).
How can I join LAKOTA?
LAKOTA 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 LAKOTA directly for the exact boundaries and application steps.
Is my money safe at LAKOTA?
LAKOTA 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. LAKOTA's net worth ratio of 22.62% 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.