# DACOTAH
Rapid City, SD · NCUA charter 7021 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dacotah-7021

Who the members are: federal charter, community charter, organized 1950, low-income designated. 828 members of 113,775 potential (0.7% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 73.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $11.1M |
| Members | 828 (-4.3% YoY) |
| Full-time staff | 3 |
| Net worth | $1.1M |
| Net worth ratio | 10.2% (p18 of band) |
| ROA (annualized) | 0.50% (p47 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 62% (p57 of band) |
| Cash / assets | 33.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.91% (p84 of band) |
| Operating expense / assets | 4.90% (p77 of band) |
| Vehicles % of loans | 37% (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 | 0.11% (p36 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 14% |
| Credit cards % of loans | 20% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 18% |
| Average share balance | $6,052 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 73% |
| Loans granted per 100 members, annualized | 31% |
| Average loan balance | $10,207 |
| Loans granted, annualized | $2.0M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 3 | thin capital, net worth falling |  |
| 2016-12 | 3 | losing money | net worth falling |
| 2017-03 | 5 | delinquency rising, members leaving |  |
| 2017-06 | 3 |  | repo signal, members leaving |
| 2017-09 | 3 | assets shrinking, members leaving | thin capital, delinquency rising |
| 2017-12 | 3 | thin capital | members leaving |
| 2018-03 | 4 | net worth falling, members leaving | losing money |
| 2018-06 | 2 |  | assets shrinking, net worth falling |
| 2018-09 | 2 | delinquency rising | thin capital |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 3 | assets shrinking |  |
| 2019-09 | 2 |  | assets shrinking |
| 2019-12 | 3 | losing money |  |
| 2020-03 | 3 | thin capital, charge-offs p90 | members leaving, delinquency rising |
| 2020-06 | 4 | net worth falling, margin squeeze | charge-offs p90 |
| 2020-09 | 6 | delinquency rising, repo signal |  |
| 2020-12 | 5 |  | delinquency rising |
| 2021-03 | 4 | members leaving | losing money, repo signal |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 2 |  | margin squeeze |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | net worth falling |  |
| 2022-12 | 4 | losing money |  |
| 2023-03 | 2 |  | net worth falling, losing money |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 | delinquency rising | thin capital |
| 2024-09 | 1 | assets shrinking | delinquency rising |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 3 | members leaving |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising | assets shrinking |
| 2025-12 | 2 | assets shrinking | delinquency rising |
| 2026-03 | 2 |  |  |

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

- 2026-05-16 [Rapid City America 250 effort raises $150K+ as sponsorship deadline nears - KOTA Territory News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNWVRcHQwMmRjcVhaMjV5UEU0bl9iZjJidjQwRE9xaHJxblBHdVVMWGdrWGJ2Snd4Tk85WEs3R20tOWIyV3lTQ19UMXBESzh0R21IcUktNy13dmRURmlUR1o4MDVHRUpCeHNXalcxOU5mbWJPZzU0ZmhZcU9MYTRBQkVwSmU5Sl9BRHlXbkxjNG1xYmdTNV9KWVM2eFJidG1iRHZaZ1Nn0gG6AUFVX3lxTFBJWTJEek1MeXFrZmlmaVlRbWZCMkxkVkNQVnduWVRRLTFldFNUdldmdUFHcjFoZVNzaW5BdWJIS2xrNXdmTDhxaGZVTDFTS2Z6UUFKalBZaEFITXpHWTkxc0xhYTVTQ003QkplbFNpRy11N2VSczdDTF9PU2t4S0JabTFUczBfbmwxRUZ2YnJJRlB4azdRa1ZfSVMwd0V1OTBrQmpyWHZrN3RtUVZRRS0wQlZBNWdaNDdidw?oc=5) · KOTA Territory News
- 2025-03-22 [Obituary | Margarete Carpenter of Rapid City, South Dakota - Kirk Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMibEFVX3lxTE5PNFduVmRtai0yNjNkVUF2TTRzLS1aV0ZjNFpSNjBZTHlpR0FDWDFGbmtkN3p5d05OWklGVnI3MlFNY2s3aTZDbFJ4bmtLY0RVR2J0ZWFacjdkcGNHbTRvVWhMZjhkd2dwc3N0eQ?oc=5) · Kirk Funeral Home &amp; Cremation Services
- 2026-08-19 [Dakota News Now Prep Insider Magazine is here! Here’s where to pick up your copy - Dakota News Now](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOOV9reXJnZHVTRl9ybUVrUUhqTEc5OGdSNHB2UG1tR0JnMER6em16VjIwM0NVUnZhVkswdlN4SnBHWjBTRWkwQUh0b0hRNlhKUy1jV1I1OTFITS1VbE9oeVVDRk9iUjhORFZ6dHpRNkFhMlNyNElHc25pUE9xcEgtVW1jTmNCVElCTnpBbzhPcFVhUnM2ZnpYczAta3hYWTZaWVZMMzJrTEJ3eXVoZ3RzZ1ZhZm43UFl2?oc=5) · Dakota News Now
- 2025-10-23 [Upcoming Events: Several Halloween-themed Events Planned - Aberdeen Insider](https://news.google.com/rss/articles/CBMijAFBVV95cUxOa3RpQXplRHJpVUUwVTRnZnIyNDZsTDBlX0ZOUnVYUExXd0ZrR0Y0VXdEbzdBWXVEN0d6ZHFidzBEZG93MFlGeENEUGZzY0ZieEY0ZzFsclNFdUVfVWVPeFRjUnRVZWFMaEpZTW02V1FOZ3VURVR5bWhDSWtJQ1VONEVka0czOVh4NVdKVw?oc=5) · Aberdeen Insider
- 2016-11-04 [Half of Sioux Falls bank robberies unsolved this decade - Argus Leader](https://news.google.com/rss/articles/CBMiswFBVV95cUxNNl83VzNmUjExWHZXNzYwWEZTNF9WQUNyeGZ0LVhvMUpSS0lHZ2hGTkJzM3BmR1FHbWFOOE5wUThvMERncDBfdDAyMFlWc1NKZnV4empQanRMd29NaXBqOHhqVWVwVDB1WFNXSHBzZDhwRlBmV1IwXzd3QW04SGJnZ2dJNnBrQjRXX1B3WGNJcWZZS0lUYXl0UFNGbUk5QWJYTG55SzZ2eXFBNEZzSjc0VTZRaw?oc=5) · Argus Leader
- 2021-08-19 [2021 Pigskin Preview magazine available now! - Dakota News Now](https://news.google.com/rss/articles/CBMijgFBVV95cUxOc0xldTBLbFRLTHpTZXVITmpPMjVNbFF1MUJfc1cxT0VFMWlqalFIcWlIV2k1R0xtTS1zeXE1SnpJdF80bmJSTVZsOTJlZHE2c2w5Wkl5dExYUXBkM3NMWHZCdlRZaTBaY2ZBZFhuSUc5cGpzQkFlT2xoTzFNTHN1cDV4M2FJb3pnQTI2MnlR0gGiAUFVX3lxTFBRZjl6VGdrQWVzVHZEMlA3dXprazVjMTJHWVQ4ekpKUW5faGhWcS02Tm9tWDMzUzZEYjU0TW1IZW42VE51NFJZSmZkLXd0cFVxY0hpUzhDLVg1N0hZSjByMHdaeXRsWkE0ZC1wb2pzbk1EWFViR2MyQ0VIR1FiR08xZmdLRmRwMHVjYk9tMVR0UXUyWGpXSUdTazMxVE1RVTlqQQ?oc=5) · Dakota News Now
- 2025-10-16 [Upcoming Events: 'Sound Of Music' Continues Through Sunday - Aberdeen Insider](https://news.google.com/rss/articles/CBMijAFBVV95cUxNblo2VWpNVF9tNGh2NFI2ZGtfMXRqZzdUODJ5bG1aZGs0cXhUZ1dVZFpyQnktdjJjT0pMaksxcm9GVzEyQVU1aExId0ZGMkJvMXh6MWtxbXdFazZ0QkgtREV4aXRTSlUwaDl4TklXWmpENnZkbHUzM3B3SzdBaXJsZlJjZElJZEp1ZTJxcg?oc=5) · Aberdeen Insider
- 2024-08-21 [Where to pick up your copy of the Pigskin Preview - Dakota News Now](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZjlXR3FOUUlmdmI3T1Z0VzRrc1kyenBLd2tlQVB3RFFJejZLNjk4RjhGdXlQczFJSmtKRVY3TWtTUDB5WU9LUFJYUFMyWDRIejZ1OHRpcENVemM2c25vZklTbkRDb1FyaUxoRjZPMjh0SnJhRFd0RFFqMjhjaFVBMW95dkhjYkRv?oc=5) · Dakota News Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7021 (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/45.json (key "7021", 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=7021
- 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.

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