Headquartered in Rapid City, South Dakota, Dakota Star Federal Credit Union is a federal credit union with $44.9M in total assets and $40.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1952.
Based on its Q2 2026 filing, Dakota Star Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 24th. Its strongest component is funding & liquidity (87/100; 73% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (40/100; 9.00%).
TellerScore · Q2 2026
Scorecard
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 rose 4 points (60 → 64), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 57 |
| Q4 2024 | 59 |
| Q1 2025 | 56 |
| Q2 2025 | 60 |
| Q3 2025 | 62 |
| Q4 2025 | 62 |
| Q1 2026 | 65 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.15% |
| Q3 2024 | 7.93% |
| Q4 2024 | 8.19% |
| Q1 2025 | 8.09% |
| Q2 2025 | 8.50% |
| Q3 2025 | 8.66% |
| Q4 2025 | 8.72% |
| Q1 2026 | 8.40% |
| Q2 2026 | 9.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.78% |
| Q1 2025 | 1.07% |
| Q2 2025 | 1.00% |
| Q3 2025 | 1.02% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.93% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.57% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.98% |
| Q3 2025 | 1.12% |
| Q4 2025 | 1.17% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.17% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $44.9M | 9.00% | 0.93% | 1.17% | 72.6% |
| Q1 2026 | 65 | $46.5M | 8.40% | 0.67% | 1.07% | 65.0% |
| Q4 2025 | 62 | $43.3M | 8.72% | 1.11% | 1.17% | 69.8% |
| Q3 2025 | 62 | $42.0M | 8.66% | 1.02% | 1.12% | 72.0% |
| Q2 2025 | 60 | $41.0M | 8.50% | 1.00% | 0.98% | 71.8% |
| Q1 2025 | 56 | $41.4M | 8.09% | 1.07% | 0.65% | 69.4% |
| Q4 2024 | 59 | $40.1M | 8.19% | 0.78% | 0.57% | 69.4% |
| Q3 2024 | 57 | $40.7M | 7.93% | 0.81% | 0.55% | 67.5% |
| Q2 2024 | 58 | $39.1M | 8.15% | 0.97% | 0.62% | 66.7% |
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).
Similar-size credit unions in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oahe Federal Credit UnionCredit union Pierre, SD | 87 out of 100, Very strong | $45.1M | 16.2% | 1.03% | vs |
| Ft Randall Federal Credit UnionCredit union Wagner, SD | 81 out of 100, Strong | $44.2M | 17.5% | 1.12% | vs |
| East River Federal Credit UnionCredit union Madison, SD | 71 out of 100, Strong | $41.9M | 11.1% | 1.19% | vs |
| M O Federal Credit UnionCredit union Huron, SD | 88 out of 100, Very strong | $40.9M | 14.1% | 0.30% | vs |
| Sioux Valley Coop Federal Credit UnionCredit union Watertown, SD | 83 out of 100, Strong | $40.7M | 20.6% | 1.10% | vs |
| Avanti Federal Credit UnionCredit union Watertown, SD | 51 out of 100, Below average | $31.8M | 11.3% | 4.00% | vs |
Deposit insurance
Is my money safe at Dakota Star Federal Credit Union?
Yes. Dakota Star Federal Credit Union is a federally insured credit union (NCUA charter #8039). 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 15.3% of shares and deposits ($6.2M) 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 9.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Dakota Star Federal Credit Union lists 2 offices in 1 city. Most locations:
- Rapid City, SD (2)
Identity & history
Profile
- Legal name
- Dakota Star Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8039
- RSSD ID
- 505082
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- 3122 W Saint Louis St, Rapid City, SD 57702
- Employees
- 12
Quick answers
Dakota Star Federal Credit Union: common questions
Is Dakota Star Federal Credit Union NCUA insured?
Yes. Dakota Star Federal Credit Union is a federally insured credit union (NCUA charter #8039). 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 Star Federal Credit Union's TellerScore?
64 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 Star Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Rapid City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Western Federal Savings BankBank Rapid City, SD | 92 out of 100, Very strong | $63.5M | 18.1% | 0.00% | vs |
| First National BankBank Fort Pierre, SD | 84 out of 100, Strong | $2.0B | 21.9% | 0.69% | vs |
| Pioneer Bank & TrustBank Belle Fourche, SD | 81 out of 100, Strong | $1.0B | 11.6% | 0.14% | vs |
| Black Hills Community Bank, N.A.Bank Rapid City, SD | 81 out of 100, Strong | $489.7M | 12.4% | 0.00% | vs |
| Interfaith Federal Credit UnionCredit union Montclair, CA | 77 out of 100, Strong | $134.8M | 11.9% | 0.34% | vs |
| Rushmore Electric Federal Credit UnionCredit union Rapid City, SD | 72 out of 100, Strong | $29.3M | 10.0% | 0.50% | vs |