# DAKOTALAND
Huron, SD · NCUA charter 167 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dakotaland-167

Who the members are: federal charter, community charter, organized 1935, low-income designated. 42,263 members of 826,864 potential (5.1% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $739.6M |
| Members | 42,263 (3.8% YoY) |
| Full-time staff | 170 |
| Net worth | $78.5M |
| Net worth ratio | 10.6% (p55 of band) |
| ROA (annualized) | 1.41% (p88 of band) |
| Total delinquency | 0.53% (p43 of band) |
| Net charge-offs (annualized) | 0.10% (p11 of band) |
| Loans / shares | 75% (p33 of band) |
| Cash / assets | 17.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.31% (p38 of band) |
| Operating expense / assets | 3.41% (p40 of band) |
| Vehicles % of loans | 23% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.35% (p28 of band) |
| Vehicle NCO | 0.23% (p13 of band) |
| Repossessed % of vehicle book | 0.04% (p50 of band) |
| Real estate % of loans | 55% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 70% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 32% |
| Average share balance | $7,442 |
| Participations bought / yr | $852,416 |
| Participations sold / yr | $223,436 |
| Participations outstanding | $7.8M |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $21,788 |
| Loans granted, annualized | $216.4M |

## Participation posture (from the same filings)

Bought $852,416 and sold $223,436 in the latest annualized quarter; $7.8M outstanding purchased (10.0% of net worth), $234,282 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 3.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency rising |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 0 |  | margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 0 |  | delinquency rising, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-06 [Dakotaland Federal Credit Union welcomes Mati Felderman as Senior Vice President of Marketing - plainsman.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQam1UOTJzLTBOenF4WjBDWWhUczM0VkFRanF6VWtyRHh4WE9tVW1EXzZXSGUzMTVSNWRFb3FPdmxkcU1SSmxfX01YYmhDN1VLMFdxRnI5RVFXN09ZWjZKLVRXSmZfWFJOTS1KSVNDSV9OTVRoTDk4QUNDOWtfOWtDeWZOMUc0LVVhN2NjY1l0SXJNTVBKdk4yaHVOWXp4SXJTaWh0aFg5ekN4VDNOd3dfTDZ6ZlFOa1N4X3k0RlA1UUoyY3d0Tnc?oc=5) · plainsman.com
- 2026-05-12 [Former Mitchell credit union CEO Pat Murtha headed to Hall of Fame - mitchellrepublic.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxOck1CalhlOURuUDBGM3ViTUpVZFZ3Tm9HbWhXb2FydFR4YnR5dVZobnFXY2lDVzhZZE1rMmJJX0xGdzhvMkFGTE1zMDlaSFNBYUxHWHI3UnNCV041czRQYnpGRUNSeHhFZUoyYzJPQ2ZudDM3bFdaMFZ4dUlOUTJvdERMWjB3YkZ1QVpEVnY4ODVRdnFXOUtiSkFXRUJtMUQzWUZrSk56N0cxQW1WalpN?oc=5) · mitchellrepublic.com
- 2026-01-23 [Kamylle Rose Wagner, 16 - thedakotascout.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5LT1BEYmNPNjJ5V2dKbEVXbDNib2J1WlJzZ1hYZDhjY0FzZW5HV0dHVF9EOGNsemhKQm9lb2VYM09yUW5JenBkV09rUzJlY2RkTWZ5U18yT2tfZDJRMEt1VXYtX1o5dw?oc=5) · thedakotascout.com
- 2026-06-05 [Free Family Film Showing at Mitchell Theatre Saturday Morning - Mitchell Now](https://news.google.com/rss/articles/CBMinwFBVV95cUxPVFFUTVBXdWtDWlRMVVJSSmkxU3FuOF9fMEhDNFFYeTlJMjl4RGtkQThULWNUdVlveXpqNVBSdlpuS0VSbkticF9MV0VvME5WRTZHX2lFSVBuS3JnaTV2TkVQRm50emNINkRaUWVnTV8wa3JIQ3J0TlFmRFVYSlRCa1lsZXk0NlFYTFlQdmhVVUNlMFgwQVhiVlNqZG5kZUk?oc=5) · Mitchell Now
- 2022-07-13 [Forbes names best banks in S.D. - SiouxFalls.Business](https://news.google.com/rss/articles/CBMia0FVX3lxTE8xWE5YRzYzdU9rTEtBREk3YmRfTUhTcUJ6MkZqRVV4Z2h2S1FJSnFFTnlkUXRLM0xMMkwtMXRGLWdIcGpvdUdyWGRwR2RuRXlVcE9RZWk0MTJrQk9HQlRKWWdoS3JVWU5qSWFV?oc=5) · SiouxFalls.Business
- 2022-03-14 [CUAD awards $4,750 in GAC assistance scholarships - CUInsight](https://news.google.com/rss/articles/CBMikgFBVV95cUxOM3NsVEtsOTlveUN2ZmQtTDZ3RFhSUjNuUzBMb09WUFJvNDdzOF9HX2NDck9LVDRQOUhlekljMWFhZkpFel9zZUF2UHJMOElhOEo1Ukh4NWtHVm9Nb1BjREhrLUdiUEUwVmRvSnhYNzNJcnNHRWV5Ykc0UFU4ZDdtelJ2WmFzVkg5SUZvOVctSEZjZw?oc=5) · CUInsight
- 2020-12-10 [Riley joins Dakotaland Federal Credit Union - aberdeennews.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxONlh4ZzhzRXFhbXhRd3JvLWI1b2lvc2hmck1jVzdMd3dXM2dMbnJtZXFWdlJvSmtLU0NxY2NsVHN3N0c5RHRyMGVvSkxJMDhVZC0xNTR5WTlfSXdFeFdUTlBKYVVnN2pwTGU3OTBLQk1ZZ2RDT3hCWHd2MFRZakVYRHNXZDV0czlOVUpMbjE2VXpJRjhWbHRpdUdhNTA4TlhoZHpXS2t5ZGl4eW9j?oc=5) · aberdeennews.com
- 2025-09-09 [Alloya Elects Two New Board Members At Annual Meeting - cutoday.info](https://news.google.com/rss/articles/CBMilAFBVV95cUxPWC14YlJ6S3VndWIzcFhiY3RSV1gtQjZJRGtRMUpBLThWYnJpZEVkMzhIMk5xX3B1WEZpdHdTXzFIaHh6MnBlc09nTkVYUWtsNlpvNUM2T1JMblhZbkgtODktZzhPSUZlaUZFNEFTN1BDamwxdkpzRHhvTVFUQzJTNzdFaUM5ZE5LUFJiUDg5Smk1aHc0?oc=5) · cutoday.info

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=167 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/39.json (key "167", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=167
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide