Dakota West Credit Union
Total assets
$339.2M
▼ -0.1% YoY
Shares & deposits
$295.5M
▼ -1.7% YoY
Loans
$160.8M
▼ -4.4% YoY
Members
7,200
▲ +1.7% YoY
ROA (annualized)
0.73%
peers 0.69%
ROE (annualized)
5.51%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +3.9% | -4.0 pts |
| Share growth (YoY) | -1.7% | +3.3% | -5.0 pts |
| Loan growth (YoY) | -4.3% | +2.9% | -7.3 pts |
| ROA | 0.73% | 0.69% | +0.0 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
Profile
- Established
- 1941
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1496, Watford City, ND, 58854
- NCUA charter #
- 62380
- RSSD ID
- 629791
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $339.2M | $295.5M | $160.8M | $45.1M | $621K | 0.73% | 3.21% | 4.28% | 7,200 |
| Q4 2025 | $336.1M | $292.3M | $166.7M | $44.5M | $1.6M | 0.46% | 3.36% | 2.77% | 7,199 |
| Q3 2025 | $335.0M | $292.5M | $171.9M | $44.0M | $1.0M | 0.41% | 3.39% | 2.71% | 7,217 |
| Q2 2025 | $327.5M | $287.5M | $173.1M | $43.8M | $895K | 0.55% | 3.36% | 4.88% | 7,152 |
| Q1 2025 | $339.6M | $300.6M | $168.1M | $43.3M | $348K | 0.41% | 3.14% | 5.11% | 7,077 |
| Q4 2024 | $326.1M | $288.6M | $166.6M | $42.9M | $3.1M | 0.95% | 3.30% | 0.88% | 7,003 |
| Q3 2024 | $319.3M | $280.2M | $172.8M | $42.2M | $2.4M | 1.00% | 3.34% | 0.43% | 7,333 |
| Q2 2024 | $312.1M | $277.0M | $163.1M | $41.7M | $1.8M | 1.18% | 3.35% | 2.08% | 7,231 |
Loan mix (Q1 2026): real estate $56.8M · commercial $81.1M · consumer $19.1M · securities $108.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Dakota West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% | 25th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 78.7% | 58th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Dakota West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Dakota West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Dakota West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Dakota West Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- North Star Community Credit UnionMaddock, ND · $470.6M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
- Ocean State Credit UnionCoventry, RI · $351.3M
- Freestar Financial Credit UnionMount Clemens, MI · $351.3M
Selling to Dakota West Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.