# DAKOTA STAR
RAPID CITY, SD · NCUA charter 8039 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/dakota-star-8039

Who the members are: federal charter, community charter, organized 1952, low-income designated. 3,016 members of 183,636 potential (1.6% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 65.

**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 | $46.5M |
| Members | 3,016 (-0.1% YoY) |
| Full-time staff | 8 |
| Net worth | $3.9M |
| Net worth ratio | 8.4% (p7 of band) |
| ROA (annualized) | 1.07% (p72 of band) |
| Total delinquency | 0.67% (p51 of band) |
| Net charge-offs (annualized) | 0.11% (p59 of band) |
| Loans / shares | 65% (p60 of band) |
| Cash / assets | 35.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p55 of band) |
| Operating expense / assets | 3.77% (p54 of band) |
| Vehicles % of loans | 45% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 2% (p88 of band) |
| Vehicle delinquency | 0.42% (p49 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 46% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 18% |
| Average share balance | $7,393 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $14,047 |
| Loans granted, annualized | $10.4M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (45.6% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 12.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 0 |  | 3rd-party paper>100% NW |
| 2016-09 | 1 | loans>95% of shares |  |
| 2016-12 | 0 |  | loans>95% of shares |
| 2017-03 | 3 | net worth falling, delinquency rising, members leaving |  |
| 2017-06 | 1 |  | delinquency rising, members leaving |
| 2017-09 | 2 | delinquency rising, loans>95% of shares | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 1 | net worth falling | loans>95% of shares, delinquency rising |
| 2018-12 | 1 | loans>95% of shares | net worth falling |
| 2019-03 | 1 | delinquency rising | loans>95% of shares |
| 2019-06 | 3 | members leaving, loans>95% of shares |  |
| 2019-09 | 2 |  | loans>95% of shares |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | losing money |  |
| 2023-06 | 2 | delinquency rising | losing money |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-04-08 [Best Banks and Credit Unions in South Dakota 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMilAFBVV95cUxPMGFQakhqclVoQmRDQkRCOVBiUFdNTkdieVNraEU1ZWFVRGp2OUpsWU9HeW10bHFxZGNlTEc5WkNfbU9leGZEVWtiZVhDUDBQbWRKb0huUGQ2QmxJRXhFX2lSdm1LZTdvcVk4eGhxUHBMNDktNHJWT1N6b2xJUDZxUlNmRnFzVGphUnNtenhpeHE2X2tY?oc=5) · Newsweek Rankings
- 2026-02-28 [Barbara Ellen Aker Obituary Feb 26, 2026 - Osheim & Schmidt Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5wMVlHdktwd3gwSGtCZE5XS2p5ZkI0TGdOQm5LY2lDTmRKSk5HTVVob2lJbVJMM2NMbkVQeDFTY2ZHMkJ3Yk9hanl3R0VqWHhhellYWUlRNWVwSG9vVVZSWC1QTQ?oc=5) · Osheim &amp; Schmidt Funeral Home
- 2024-03-12 [South Dakota State Fair and DANR to Announce the DEXtravaganza Concert Act - Morning Ag Clips](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZFUtUkM0QzQwbEFHMEkxTURyMVdYS3g1T05FbUdwOWI3cGlMaENUSUZlWTVENlJhb0c4d3NFekFrRVdQOEd5NjdlSklDaC1ZWGFfMURVLXVFQjFuaG9FQ1lTLW15N05wOERMN3B6MFFhdFpKeWhjTER5MDNnU0VkQkJXUTNNNTJjazc2Uk5sTkFsdnRJR05peUdxRzVjdFpmZWs5ZUpUSmZIQQ?oc=5) · Morning Ag Clips
- 2020-09-01 [Music, entertainment on tap for 2020 South Dakota State Fair - Mitchell Republic](https://news.google.com/rss/articles/CBMipAFBVV95cUxPclllYUlpajBiU05zUWxNSWpYNUVhYjJCUGNnemEybWh3N2U1c2VucFFHNzZ6MzVFd1VBX2E2RzdITjg3RlFtdXRTZGMyTkRZdlNMR3BVaWpRV3BHS3R4Y0l5OFU0QlZWdTN6eFk2QURFNk93bE1mdUpXaGNJb0hia1JqRVJNSHJQWFd5TldpVFFKZnpfeW04dW96R3RwODhkdThZSw?oc=5) · Mitchell Republic
- 2018-01-20 [Frank L. Solano Obituary Jan 20, 2018 - Osheim & Schmidt Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBXM0VobzJJTjFRcGtkZERlOVlJdEdyMVFpSDV1WlBLSTZDSURQWklpanFjWjV3NzMwRy0wNEVJNTIyanQ1dVdjMjJkeHE3T2s1RU1XcXdhZGhYLTY2VS1BNDlTVQ?oc=5) · Osheim &amp; Schmidt Funeral Home
- 2023-08-06 [2023 Farmers Union Camp Season A Success - Morning Ag Clips](https://news.google.com/rss/articles/CBMifEFVX3lxTE5sWGV4Y3hGN280QktJdUJTVy1OWlJQbHdva0JSWmhHcHBkcE9nMUhHbllOTTYyNVpzb0FpSXFxbC1mWGRhZzlRVUp2dVIyRWdpS1BZeG85cEpnRDNVcWVvTURZMFd2czUzLWxDXzRtbXVUXzR1RmJpQVMwaFA?oc=5) · Morning Ag Clips
- 2023-08-21 [Variety of Western, Rodeo, and Specialty Events to Be Held at SD State Fair - Morning Ag Clips](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeHR5aEZoZUIwODc0bXB3d0xiZE9HN01rQl83VHRvcjJZZWd2MWNfNWZfdTViSm5jVFJqc0YycjhkQXV2bWp2MjVaM0pZdmFQTTFlYWx4SHRFWVNmZlhXTE5BX244WXlHZ05WNWhMRzU5MkRSUlVxMDhuTUZYTEdlU2I2aUxBb0dxSFQxVEhfdnpnWVE1V1hwdmY2OUZSWEMyNEtlQ25NbG0?oc=5) · Morning Ag Clips

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8039 (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 "8039", 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=8039
- 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