# DAKOTA PLAINS
Edgeley, ND · NCUA charter 63613 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dakota-plains-63613

Who the members are: state charter, organized 1941, low-income designated. 4,185 members of 4,285 potential (97.7% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 74.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $94.4M |
| Members | 4,185 (-2.0% YoY) |
| Full-time staff | 28 |
| Net worth | $11.3M |
| Net worth ratio | 11.9% (p41 of band) |
| ROA (annualized) | 0.67% (p48 of band) |
| Total delinquency | 1.81% (p91 of band) |
| Net charge-offs (annualized) | 0.29% (p55 of band) |
| Loans / shares | 96% (p98 of band) |
| Cash / assets | 14.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.07% (p96 of band) |
| Operating expense / assets | 4.77% (p85 of band) |
| Vehicles % of loans | 25% (p22 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 54% (p77 of band) |
| Vehicle delinquency | 2.67% (p94 of band) |
| Vehicle NCO | 0.48% (p66 of band) |
| Repossessed % of vehicle book | 0.47% (p96 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 249% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 21% |
| Average share balance | $9,164 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.6M |
| Loans outstanding per 100 members | 74% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $25,397 |
| Loans granted, annualized | $36.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.6M outstanding purchased (22.7% of net worth), $0 sold and retained. Sold in 7 and bought in 1 of the last 8 quarters. Shares 3.0% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 3 | delinquency 2x band, loans>95% of shares |  |
| 2016-09 | 4 | leaning on borrowings |  |
| 2016-12 | 4 | net worth falling | delinquency 2x band |
| 2017-03 | 2 |  | loans>95% of shares, net worth falling |
| 2017-06 | 4 | delinquency 2x band, loans>95% of shares |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | net worth falling | delinquency 2x band |
| 2018-03 | 3 | delinquency rising | leaning on borrowings, net worth falling |
| 2018-06 | 3 | leaning on borrowings | delinquency rising |
| 2018-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 3 |  | loans>95% of shares, leaning on borrowings |
| 2019-03 | 1 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 0 |  | thin capital, net worth falling |
| 2020-06 | 3 | thin capital, delinquency 2x band, delinquency rising |  |
| 2020-09 | 4 | net worth falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | net worth falling |
| 2021-06 | 2 |  | delinquency rising |
| 2021-09 | 1 | loans>95% of shares | thin capital, delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | loans>95% of shares |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | delinquency rising, members leaving, loans>95% of shares |  |
| 2022-12 | 2 |  | members leaving |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 4 | assets shrinking, members leaving |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 1 |  | loans>95% of shares, delinquency rising, assets shrinking |
| 2025-03 | 1 | loans>95% of shares | members leaving |
| 2025-06 | 5 | losing money, expense trap, delinquency 2x band, delinquency rising |  |
| 2025-09 | 2 | net worth falling | losing money, expense trap, delinquency 2x band, delinquency rising |
| 2025-12 | 1 |  | loans>95% of shares |
| 2026-03 | 4 | delinquency 2x band, delinquency rising, repo signal, loans>95% of shares | net worth falling |

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

- 2025-06-03 [Floyd Fredenburg - Eddy Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFA0M1hSamx5T29ZZDNJNjI5UVF0Smo4TzRJNC15dENKTU1Gck01YzBNOVdGc043RC1iV1BtMXljX0FydUZzZHJNck5UUXhXVGIwZEt3X1RLbGNRYjh5bHdjVTZlTjZRVW1UMnhF?oc=5) · Eddy Funeral Home
- 2019-05-06 [Two Dakota CU professionals inducted into Hall of Fame - CUInsight](https://news.google.com/rss/articles/CBMimwFBVV95cUxOODVXeVVTWnVMWkx4LUtHN3FQclF0REFJVGczZm1LQ1NqcXRQN1hEbTYyRktlX1lOeHZ3VjFtZGNmSUNGREMtS1REd3prOWZRbDFhY3V5T3NWMnFHNlBBWUY2UFh1QTFoenpnT2tZeWlEcGJhR1lXR0lBZDNjN0EzbmtRNmR0VE1FYW5lRVM1cjhuZ2Vld3p5UVY3dw?oc=5) · CUInsight
- 2025-07-22 [‘Micropreemie’ unit opens with help from local co-op - news.sanfordhealth.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxQN256RG5JYUszRHVBbmZ1eDdkT0ZxRmFNdVY1S0h6X25Ia1FmWjFteWNILVQyMnZWY1kxY0xBalduenNsSThyd2FFSXViLWFMSmxXR09xNmhJYTEzTGtMcHhhaWRMV0JFOWhUY0xqZ0xudU9kRFQ4bmlZc1BoalBTQjI2ZzQxRnFoU3JZamdodm5CZkhQVUtn?oc=5) · news.sanfordhealth.org
- 2025-06-24 [Storm Impact on North Dakota Agriculture ‘Tremendous,’ Ag Commissioner Says - Successful Farming](https://news.google.com/rss/articles/CBMiugFBVV95cUxQcmpQeHVRSExVcXcteWtsbWE1cGhBVU5PSjFrbGdkZzhfWUdYLUl5T0NWeVA1aWJxZlhPcFZsLWU4T0s2aVBXVW03N0Q2ejZaYjlHdmRGNktTbVIyTWtNeUNYWXVQcUFUQWdxbVo1ZFE2QWpDdDZhZkNjczFPRWxhaXYtbjJDNU5CSWh1TUpxRWszUFRObXNXWUIwSnB1aTQzcVZVb3JLTlZEbWF0R2twUktHZ3d2aEd3X0E?oc=5) · Successful Farming
- 2022-08-19 [Darlene Jackson Hanson - Jamestown Sun](https://news.google.com/rss/articles/CBMiugFBVV95cUxOMWExY0hGcWVoVVJzOU9NdmVDelNiaXlOazVMeGtsZDlJZW9fQi15c0FORDNPTXotNWNuc3Mydm0zcjNmN1g1anA2dDFVUlBFbDJTR0JLZFJKSTBzRndpcFhZc18ydjd0d3BNSkxPekliQjhhUDNLelpCcFlOZ3hUUGJWcDVmdWhmTkg4SHV4Zk1mODdLcDVaemFLaDBqd1g5eVEydmo1ZGJlLVhvNnl2NkRhRHV1SDFkMlE?oc=5) · Jamestown Sun
- 2026-05-07 [Cathryn "Cay" Durheim Obituary May 7, 2026 - Schriver's Memorial Mortuary & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE5nN2diM2Vvc3J3SDNzMG92bHVKV3hsUGxWQ2E1c1dxRXpheFdpNzY3UnBPNUpSRlZYVHlRdUVES1J3TFA0bzB0cm5vYy1hYVJBUC1XU2VWUUpEZG1GOW8xak9QU0RMSnd2aHZOSw?oc=5) · Schriver's Memorial Mortuary & Crematory
- 2026-01-31 [Alvin H Madcke - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9iNm1xaUpHRUVBNmRYTC1PWmdxRjNuMWdEUmFsTXZkVV9zTGJnZHlHY1hRZVVONWZyc1lNNmJxcko4Y3NoLW5mRWlhalJMTU1Gb0VYT1JfRW9scHl4UDFFYm1xTzB1QQ?oc=5) · Eddy Funeral Home
- 2013-07-08 [Audrey May Albrecht - Eddy Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE5MMmhpTnExc1hvYkhYWUY4ZnVrX1FBX1NjR0xaVDIxMy1iN0xvTkdRMlBnT0ZvVTNoQUttQ0RJRE51dlN1SzR0b3BfU1E2WVA0bmVoNC1EaGNZelZZWlc3dkpDNjhGOGtpVmc?oc=5) · Eddy Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63613 (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/61.json (key "63613", 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=63613
- 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