Dakota Rail Line
Huron, SD · Charter 9907 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$5.1MAssets
$3.7MLoans
$4.2MShares
$896KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets (rank 104 of 1683).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1213 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.79%
Rank 134 of 1,683
Net Interest Margin
5.25%
Rank 104 of 1,683
Efficiency Ratio
67.83%
Rank 390 of 1,682
Equity / Assets
17.44%
Rank 365 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.79% | 0.35% | 0.74% | 1.18% | Beats 92% | 134 / 1,683 | |
| Return on Equity | 10.27% | 2.67% | 5.89% | 8.74% | Beats 84% | 261 / 1,681 | |
| Net Interest Margin | 5.25% | 3.31% | 3.82% | 4.32% | Beats 94% | 104 / 1,683 | |
| Efficiency Ratio | 67.83% | 68.91% | 78.20% | 86.93% | Beats 77% | 390 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.17% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,213 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 365 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.44% | 10.44% | 12.89% | 16.53% | Beats 78% | 365 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 86.94% | 52.61% | 69.38% | 83.50% | 81st pctl | 322 / 1,683 | |
| Loans / Assets | 71.66% | 44.71% | 59.18% | 70.72% | 77th pctl | 389 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |