TellerScore

Dakota Rail Line Federal Credit Union is a federal credit union headquartered in Huron, South Dakota, in business for about 72 years. At the end of Q2 2026 it reported $5.1M in total assets and $4.2M in member shares and deposits.

Dakota Rail Line Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 7th. Capital cushion contributes the most (100/100, 17.44%); loan quality contributes the least (61/100, 1.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.44%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings91/100
Return on assets (annualized): 1.78%
Funding & liquidity73/100
Loans ÷ shares: 86.9% · 3.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.31%

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 11 points (95 → 84), mostly because the loan quality component weakened by 39 points.

TellerScore
808896Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202480
Q4 202492
Q1 202596
Q2 202595
Q3 202594
Q4 202593
Q1 202684
Q2 202684
Net worth ratio
7.00%12.22%17.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.65%
Q3 202415.21%
Q4 202415.08%
Q1 202515.38%
Q2 202515.74%
Q3 202516.14%
Q4 202516.39%
Q1 202616.56%
Q2 202617.44%
Delinquent loans (60+ days)
0.00%0.62%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20241.15%
Q4 20240.04%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.02%
Q1 20261.24%
Q2 20261.17%
Return on assets
1.28%1.62%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.38%
Q4 20241.52%
Q1 20251.95%
Q2 20251.90%
Q3 20251.85%
Q4 20251.73%
Q1 20261.86%
Q2 20261.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$5.1M17.44%1.17%1.78%86.9%
Q1 202684$5.3M16.56%1.24%1.86%83.6%
Q4 202593$5.2M16.39%0.02%1.73%89.5%
Q3 202594$5.2M16.14%0.00%1.85%89.4%
Q2 202595$5.1M15.74%0.00%1.90%90.3%
Q1 202596$5.1M15.38%0.00%1.95%87.3%
Q4 202492$5.0M15.08%0.04%1.52%85.9%
Q3 202480$4.8M15.21%1.15%1.38%89.2%
Q2 202489$4.9M14.65%0.00%1.28%89.0%

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 ratio17.44%
67th
Problem loans1.17%
35th
Net charge-offs-0.01%
87th
Return on assets1.78%
91st
Loans to deposits86.9%
12th
Uninsured deposits3.7%
30th
Loan-loss reserves2.73%
93rd
Texas ratio4.3%
33rd

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Hb Telco Federal Credit UnionCredit union Huron, SD57 out of 100, Moderate$4.9M8.6%0.00%vs
Sisseton-Wahpeton Federal Credit UnionCredit union Agency Village, SD47 out of 100, Below average$4.9M41.3%3.84%vs
Dacotah Federal Credit UnionCredit union Rapid City, SD70 out of 100, Strong$11.1M10.1%0.00%vs
Minuteman Federal Credit UnionCredit union Rapid City, SD56 out of 100, Moderate$15.2M14.3%3.05%vs
Palace City Federal Credit UnionCredit union Mitchell, SD72 out of 100, Strong$16.5M9.9%0.01%vs
Huron Area Education Federal Credit UnionCredit union Huron, SD87 out of 100, Very strong$18.8M12.4%0.00%vs

Deposit insurance

Is my money safe at Dakota Rail Line Federal Credit Union?

Yes. Dakota Rail Line Federal Credit Union is a federally insured credit union (NCUA charter #9907). 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 3.7% of shares and deposits ($158K) 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 17.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Dakota Rail Line Federal Credit Union
Type
Federal credit union
NCUA charter #
9907
RSSD ID
924188
Primary regulator
NCUA
Established
1954
Headquarters
270 4th St Ne, Huron, SD 57350
Employees
3

Quick answers

Dakota Rail Line Federal Credit Union: common questions

Is Dakota Rail Line Federal Credit Union NCUA insured?

Yes. Dakota Rail Line Federal Credit Union is a federally insured credit union (NCUA charter #9907). 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 Rail Line Federal Credit Union's TellerScore?

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