Dakota Star
Rapid City, SD · Charter 8039 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$44.9MAssets
$29.3MLoans
$40.4MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 90 of 1681).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1507 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.17%
Rank 428 of 1,683
Net Interest Margin
4.22%
Rank 493 of 1,683
Efficiency Ratio
77.30%
Rank 793 of 1,682
Equity / Assets
9.00%
Rank 1,507 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.35% | 0.74% | 1.18% | Beats 75% | 428 / 1,683 | | |
| Return on Equity | 12.97% | 2.67% | 5.89% | 8.74% | Beats 95% | 90 / 1,681 | | |
| Net Interest Margin | 4.22% | 3.31% | 3.82% | 4.32% | Beats 71% | 493 / 1,683 | | |
| Efficiency Ratio | 77.30% | 68.91% | 78.20% | 86.93% | Beats 53% | 793 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,073 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,507 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.00% | 10.44% | 12.89% | 16.53% | Beats 10% | 1,507 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.57% | 52.61% | 69.38% | 83.50% | 56th pctl | 741 / 1,683 | | |
| Loans / Assets | 65.32% | 44.71% | 59.18% | 70.72% | 63rd pctl | 621 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |