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Dakota Credit Union Association's Member Performance
How the 62 credit unions across Dakota Credit Union Association's footprint are performing — measured against every U.S. credit union, straight from the public NCUA Call Report.
Footprint: North Dakota, South Dakota.
NCUA data through Q1 2026.
Dakota's 62 credit unions serve 566,628 members and hold $12.23B in combined assets. The median Dakota credit union earned a 0.92% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Dakota credit unions was 0.13%, compared with -0.55% nationally. Median one-year asset growth was 3.56%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Dakota at a glance
Dakota vs. the United States
System totals are the sum of every credit union in Dakota. The share column is Dakota's portion of the national figure.
| Measure | Dakota | United States | Dakota share |
|---|---|---|---|
| Credit unions | 62 | 4,335 | 1.4% |
| Members | 566,628 | 147,031,529 | 0.4% |
| Residents (population) | 1,721,237 | 340,110,988 | 0.5% |
| Total assets | $12.23B | $2,507.50B | 0.5% |
| Total loans | $8.14B | $1,744.86B | 0.5% |
| Total shares & deposits | $10.50B | $2,143.21B | 0.5% |
| Total net worth | $1.45B | $282.23B | 0.5% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Dakota credit unions report about 33 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Dakota credit unions serve members in other states, so it overstates true in-state penetration.)
The median Dakota credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Dakota CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.92% | 0.66% |
| Net worth ratio | 12.26% | 12.44% |
| Loan-to-share ratio | 70.93% | 67.86% |
| Delinquency ratio | 0.52% | 0.63% |
| Net charge-off ratio | 0.13% | 0.33% |
| Cost of funds | 1.28% | 1.05% |
| Member growth (1 yr) | 0.13% | -0.55% |
| Asset growth (1 yr) | 3.56% | 2.78% |
| Loan growth (1 yr) | 1.08% | 0.63% |
| Share growth (1 yr) | 2.87% | 2.36% |
| Net worth growth (1 yr) | 8.33% | 5.57% |
Trends over time
The median Dakota credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.92% · 0.72%
— Dakota ‑‑ U.S.
Net worth ratio 12.39% · 12.46%
— Dakota ‑‑ U.S.
Loan-to-share ratio 70.31% · 69.70%
— Dakota ‑‑ U.S.
Delinquency ratio 0.51% · 0.72%
— Dakota ‑‑ U.S.
Asset growth (1 yr) 3.91% · 3.26%
— Dakota ‑‑ U.S.
Member growth (1 yr) -0.09% · -0.52%
— Dakota ‑‑ U.S.
Dakota leaderboards
Largest by assets
- 1 Black Hills Credit Union $2.37B
- 2 First Community Credit Union $1.53B
- 3 New Salem Credit Union $907.8M
- 4 Town and Country Credit Union $781.6M
- 5 Dakotaland Credit Union $739.6M
- 6 Sioux Falls Credit Union $526.6M
- 7 Western Cooperative Credit Union $521.5M
- 8 Northstar Community Credit Union $470.6M
- 9 Dakota West Credit Union $339.2M
- 10 Voyage Credit Union $282.4M
Highest return on assets
- 1 Norstar Credit Union 1.88%
- 2 Rapid City Medical Credit Union 1.75%
- 3 Hometown Credit Union 1.45%
- 4 Community Credit Union 1.44%
- 5 Dakotaland Credit Union 1.43%
- 6 Western Cooperative Credit Union 1.43%
- 7 Prairie Credit Union 1.43%
- 8 Aberdeen Credit Union 1.37%
- 9 Northstar Community Credit Union 1.20%
- 10 St. Alexius Medical Center Credit Union 1.15%
Fastest-growing (organic)
- 1 Northern Hills Credit Union 15.92%
- 2 First Community Credit Union 15.15%
- 3 Dakota Plains Credit Union 10.89%
- 4 Mandan Railway Employees Credit Union 9.24%
- 5 New Salem Credit Union 8.50%
- 6 Voyage Credit Union 8.30%
- 7 Rapid City Medical Credit Union 8.14%
- 8 Town and Country Credit Union 6.65%
- 9 Triniservice Credit Union 5.91%
- 10 Sioux Empire Credit Union 5.02%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Dakota's footprint (ND, SD) that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.