TellerScore

Headquartered in Lemmon, South Dakota, Dakota Plains Federal Credit Union is a federal credit union with $84.4M in total assets and $75.8M in member shares and deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1957.

Dakota Plains Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 17th. Problem-loan coverage contributes the most (92/100, 4.0%); capital cushion contributes the least (41/100, 9.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.13%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings65/100
Return on assets (annualized): 1.13%
Funding & liquidity88/100
Loans ÷ shares: 72.1% · 10.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.98%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (76 → 68), mostly because the earnings component weakened by 35 points.

TellerScore
586776Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202468
Q4 202458
Q1 202575
Q2 202576
Q3 202576
Q4 202571
Q1 202667
Q2 202668
Net worth ratio
7.00%8.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.79%
Q3 20248.12%
Q4 20247.83%
Q1 20258.31%
Q2 20259.00%
Q3 20259.51%
Q4 20258.42%
Q1 20268.59%
Q2 20269.13%
Delinquent loans (60+ days)
0.28%0.72%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.31%
Q3 20240.33%
Q4 20241.16%
Q1 20250.28%
Q2 20250.40%
Q3 20250.46%
Q4 20250.35%
Q1 20260.30%
Q2 20260.56%
Return on assets
0.80%1.51%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.43%
Q4 20241.13%
Q1 20252.22%
Q2 20252.11%
Q3 20252.11%
Q4 20251.40%
Q1 20260.80%
Q2 20261.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$84.4M9.13%0.56%1.13%72.1%
Q1 202667$86.2M8.59%0.30%0.80%67.7%
Q4 202571$85.8M8.42%0.35%1.40%64.9%
Q3 202576$75.0M9.51%0.46%2.11%80.0%
Q2 202576$75.8M9.00%0.40%2.11%76.8%
Q1 202575$77.7M8.31%0.28%2.22%73.9%
Q4 202458$77.0M7.83%1.16%1.13%73.3%
Q3 202468$73.1M8.12%0.33%1.43%80.2%
Q2 202466$71.8M7.79%0.31%1.21%80.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.13%
10th
Problem loans0.56%
55th
Net charge-offs0.27%
41st
Return on assets1.13%
73rd
Loans to deposits72.1%
30th
Uninsured deposits10.7%
6th
Loan-loss reserves0.00%
37th
Texas ratio4.0%
35th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Norstar Federal Credit UnionCredit union Britton, SD93 out of 100, Very strong$78.6M15.3%0.09%vs
Healthcare Plus Federal Credit UnionCredit union Aberdeen, SD44 out of 100, Below average$70.4M8.5%1.80%vs
Oahe Federal Credit UnionCredit union Pierre, SD87 out of 100, Very strong$45.1M16.2%1.03%vs
Dakota Star Federal Credit UnionCredit union Rapid City, SD64 out of 100, Moderate$44.9M9.0%0.93%vs
Ft Randall Federal Credit UnionCredit union Wagner, SD81 out of 100, Strong$44.2M17.5%1.12%vs
East River Federal Credit UnionCredit union Madison, SD71 out of 100, Strong$41.9M11.1%1.19%vs

Deposit insurance

Is my money safe at Dakota Plains Federal Credit Union?

Yes. Dakota Plains Federal Credit Union is a federally insured credit union (NCUA charter #11526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($8.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Dakota Plains Federal Credit Union lists 4 offices in 4 cities across 2 states. Most locations:

  • Bison, SD (1)
  • Faith, SD (1)
  • Hettinger, ND (1)
  • Lemmon, SD (1)

All branch addresses and map

Identity & history

Profile

Legal name
Dakota Plains Federal Credit Union
Type
Federal credit union
NCUA charter #
11526
RSSD ID
743688
Primary regulator
NCUA
Established
1957
Headquarters
PO Box 389, Lemmon, SD 57638
Employees
24

Quick answers

Dakota Plains Federal Credit Union: common questions

Is Dakota Plains Federal Credit Union NCUA insured?

Yes. Dakota Plains Federal Credit Union is a federally insured credit union (NCUA charter #11526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Dakota Plains Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Dakota Plains Federal Credit Union have?

4 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lemmon

InstitutionScoreAssetsCapitalProblem loansCompare
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs
Dacotah BankBank Aberdeen, SD55 out of 100, Moderate$4.9B10.1%1.52%vs