Dakota West
Watford City, ND · Charter 62380 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$326.5MAssets
$166.2MLoans
$282.8MShares
$46.3MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 70% of credit unions under $1B in assets (rank 503 of 1683).
- Widest gap: nonperforming loans / loans trails 93% of credit unions under $1B in assets (rank 1559 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.09%
Rank 503 of 1,683
Net Interest Margin
3.64%
Rank 995 of 1,683
Efficiency Ratio
74.59%
Rank 659 of 1,682
Equity / Assets
14.17%
Rank 649 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.09% | 0.35% | 0.74% | 1.18% | Beats 70% | 503 / 1,683 | |
| Return on Equity | 7.71% | 2.67% | 5.89% | 8.74% | Beats 67% | 554 / 1,681 | |
| Net Interest Margin | 3.64% | 3.31% | 3.82% | 4.32% | Beats 41% | 995 / 1,683 | |
| Efficiency Ratio | 74.59% | 68.91% | 78.20% | 86.93% | Beats 61% | 659 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.14% | 0.26% | 0.65% | 1.29% | Beats 7% | 1,559 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.17% | 10.44% | 12.89% | 16.53% | Beats 61% | 649 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.17% | 10.44% | 12.89% | 16.53% | Beats 61% | 649 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 58.78% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,125 / 1,683 | |
| Loans / Assets | 50.90% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,092 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |