# LAKOTA
Kyle, SD · NCUA charter 24847 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lakota-24847

Who the members are: federal charter, community charter, organized 2012, low-income designated, minority depository institution. 4,125 members of 40,000 potential (10.3% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.3M |
| Members | 4,125 (-1.6% YoY) |
| Full-time staff | 9 |
| Net worth | $4.4M |
| Net worth ratio | 22.6% (p81 of band) |
| ROA (annualized) | -3.27% (p4 of band) |
| Total delinquency | 0.72% (p53 of band) |
| Net charge-offs (annualized) | -0.53% (p4 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 58.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.13% (p22 of band) |
| Operating expense / assets | 9.23% (p97 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.53% (p52 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 21% |
| Certificates % of member funds | 40% |
| Average share balance | $1,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $8,962 |
| Loans granted, annualized | $4.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, delinquency 2x band, auto monoline |  |
| 2016-06 | 4 | loans>95% of shares |  |
| 2016-09 | 7 | thin capital, capital below 7%, charge-offs p90 | loans>95% of shares |
| 2016-12 | 4 |  | thin capital, capital below 7% |
| 2017-03 | 5 | thin capital, members leaving | charge-offs p90 |
| 2017-06 | 8 | margin squeeze, charge-offs p90, loan book shrinking |  |
| 2017-09 | 5 |  | auto monoline, thin capital, members leaving |
| 2017-12 | 5 | auto monoline | margin squeeze |
| 2018-03 | 5 | assets shrinking | loan book shrinking |
| 2018-06 | 3 |  | delinquency 2x band, charge-offs p90 |
| 2018-09 | 2 |  | assets shrinking |
| 2018-12 | 3 | delinquency 2x band |  |
| 2019-03 | 5 | margin squeeze, delinquency rising |  |
| 2019-06 | 7 | net worth falling, charge-offs p90 |  |
| 2019-09 | 3 |  | auto monoline, delinquency 2x band, delinquency rising, net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | charge-offs p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 6 | net worth falling, delinquency 2x band, charge-offs p90, auto monoline |  |
| 2021-06 | 4 |  | net worth falling, auto monoline |
| 2021-09 | 3 |  | delinquency 2x band |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 2 | auto monoline | expense trap |
| 2022-06 | 3 | expense trap, delinquency 2x band | charge-offs p90 |
| 2022-09 | 4 | charge-offs p90, assets shrinking | auto monoline |
| 2022-12 | 3 |  | delinquency 2x band |
| 2023-03 | 3 | delinquency rising | assets shrinking |
| 2023-06 | 3 | net worth falling, delinquency 2x band | charge-offs p90, delinquency rising |
| 2023-09 | 4 | margin squeeze |  |
| 2023-12 | 5 | delinquency rising |  |
| 2024-03 | 4 | charge-offs p90 | net worth falling, margin squeeze |
| 2024-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2024-09 | 5 | margin squeeze, delinquency 2x band, delinquency rising |  |
| 2024-12 | 2 |  | charge-offs p90, margin squeeze, delinquency rising |
| 2025-03 | 4 | losing money, delinquency rising |  |
| 2025-06 | 4 | charge-offs p90 | losing money |
| 2025-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2025-12 | 2 | net worth falling | charge-offs p90 |
| 2026-03 | 3 | losing money |  |

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

- 2025-04-28 [An Indigenous Credit Union Is Leaning into Mobile Banking - Next City](https://news.google.com/rss/articles/CBMilwFBVV95cUxNNUxhMmptei0xYmV4WHdUZHowb2RPd2c4SUFPX2VJV1Z4NHNxempXazgyY01lQzhpZ0tOX2JrMXBFQUoxZXNkREhnaUtZanpFdXo3SEVwa0J5M1Vyc0djT3AxdW1ERVF5QWFESG5WbjBWUEItQTYyRElTWUdKU0FGVE1kMjBCVUVfaUZnV3E2bUQ4V1EyRnFv?oc=5) · Next City
- 2021-06-10 [Lakota Federal Credit Union Celebrates Native American Homeownership - Lakota Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYTRvRTBrc0FfNjhGYnFKakc0aEZ4bngtVkgzZ0FtRmpRUVlTLUVJSFE1UUVORWFmZGpPU1N4Y1Q0OFEyY1RzUXhkVWpYS0EtTnMzekYwc1VXU0FUNmRSZk50REJIUmV4Nk5XOXNGcDFzNTNDZ2NaXzR3bHlRS3dVZFFIaDg0b2trd2JFZGhhcVh2REpXVkRiQ3dndC04b1oyQXRaNWlDblIwUQ?oc=5) · Lakota Times
- 2022-11-07 [FBI, OST investigating Kyle armed robbery - KOTA Territory News](https://news.google.com/rss/articles/CBMieEFVX3lxTE1CREhNNENIVzdOWFl4Wk5iVWl6OHRNT0ZaM1lqNGlFd3lQREJDYzBPeU1hTFN1YWlZdnVvbUVyYUIyYlNFMVZzcUp1NnE4cHJEQnRfRVpLaWdGenlUVjJuR2wzTnJqLXU4T21BMXZxYlJaUjZfREp1LdIBjAFBVV95cUxOd1hMUndFRGxScmpWcmNVSzEtQ2VlcHhod3RnV24xZHVhY3JCNGpINUtSNl9CUXZrTG44MHZ4Q0J0Y2lUNWd3Z1VQYW4tYkFBa0hUUlZFMzVTUF9Xa3NndWhSaFU0dHMzcUVNVU9BdGpQbnc4ejFYZEFITFNPU241aGIySlBMWG5LV3JxUQ?oc=5) · KOTA Territory News
- 2024-06-11 [Man sentenced in Kyle credit union robbery - SDPB](https://news.google.com/rss/articles/CBMikAFBVV95cUxQc2tKdTRMUkVrS2ZxQVN5Z2l3ejY3N29HTmhTNXhPLWZjVl9YdHFSSW9qVVdIYjZ5bEZBYWpFWS1ZX0tfSG9CbUhfLWx4ZWpBOGUwMGg1Nms2ZnpKd1d2enJBaW5ZQ3JaOHFid3FPbXNBOHQzUHhrbjRKQ0gtbGNfTzlLaE9NcDBKYVR3YWJHSG0?oc=5) · SDPB
- 2025-11-19 [Financial literacy aims to boost tribal sovereignty on Pine Ridge - South Dakota News Watch](https://news.google.com/rss/articles/CBMikwFBVV95cUxOb1B6allvclRGd1U3cWN4cEV6TGQzcDY3TnpIN3BjYXYwTm9xTmRZTmRtbkFGZmw4eFZobkZRQm43SkJQWndXYkRod01sLUs4NTBMalBuMFhhUGxfbGtzQWs0cWtHUDZwaTY0dE1tWnFlMkZNR0hSZHB5Tm9fX1FQYnNCQi15TWI1MjRmcUItVHlKWnc?oc=5) · South Dakota News Watch
- 2020-02-06 [FREE TAX PREPARATION SERVICES TO BE PROVIDED - Lakota Times](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWENKQVRMYWhOcjdHNnhLLV9rbWwtWV9rdUJlWDVPRTEyNVZicDFvbHBfRUNKOEVTX1ZMWUVPWENPc1lrOTNNUExSTzE5TjhPelZqMG0ydGE0ZFZNLV9PZXo5cGdYVFQzZHM4LV9XOEdVaUlSWUI0WFJVMXdFS2dJdmRodGFLRG1neXc?oc=5) · Lakota Times
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2024-06-11 [Wanblee man sentenced to 10 years in prison for robbing Lakota Federal Credit Union - DRGNews](https://news.google.com/rss/articles/CBMingFBVV95cUxNdTRtd1FnZ3dqaWdJbHJmOURNSTJsT3dibHczRlJNQ0R0NXh1LUY0aDllNHVTbHFFcnZRZXR6TEZueFIzN0ZfR3liLTFUVHo4MWdWOFJzX1BZejI3MndBa3ZTVlpReWJVSDFoT0d5QWxDNTJxT3R4VEZONlA3SWRHNFBQclRRZ0stV016V2MySVg2WFZnVmc4ZFJhV3JpUQ?oc=5) · DRGNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24847 (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/15.json (key "24847", 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=24847
- 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