TellerScore

Dakota West Credit Union is a federally insured state-chartered credit union headquartered in Watford City, North Dakota, in business for about 85 years. At the end of Q2 2026 it reported $326.5M in total assets and $282.8M in member shares and deposits, with 8 offices.

Dakota West Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 1,341 credit unions with $100 million – $1 billion. Among 29 credit unions headquartered in North Dakota, it ranks 26th. Capital cushion contributes the most (92/100, 14.17%); loan quality contributes the least (0/100, 3.14%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Net worth ratio: 14.17%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.14%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity86/100
Loans ÷ shares: 58.8% · 27.7% uninsured
Problem-loan coverage74/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.16%

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 10 points (51 → 61), mostly because the earnings component improved by 22 points.

TellerScore
486479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202479
Q4 202475
Q1 202548
Q2 202551
Q3 202553
Q4 202554
Q1 202654
Q2 202661
Net worth ratio
7.00%10.59%14.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.35%
Q3 202413.22%
Q4 202413.17%
Q1 202512.74%
Q2 202513.38%
Q3 202513.12%
Q4 202513.24%
Q1 202613.30%
Q2 202614.17%
Delinquent loans (60+ days)
0.43%2.77%5.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.08%
Q3 20240.43%
Q4 20240.87%
Q1 20255.11%
Q2 20254.88%
Q3 20252.71%
Q4 20252.77%
Q1 20264.28%
Q2 20263.14%
Return on assets
0.41%0.79%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.18%
Q3 20241.00%
Q4 20240.95%
Q1 20250.41%
Q2 20250.55%
Q3 20250.41%
Q4 20250.46%
Q1 20260.73%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$326.5M14.17%3.14%1.09%58.8%
Q1 202654$339.2M13.30%4.28%0.73%54.4%
Q4 202554$336.1M13.24%2.77%0.46%57.0%
Q3 202553$335.0M13.12%2.71%0.41%58.8%
Q2 202551$327.5M13.38%4.88%0.55%60.2%
Q1 202548$339.6M12.74%5.11%0.41%55.9%
Q4 202475$326.1M13.17%0.87%0.95%57.7%
Q3 202479$319.3M13.22%0.43%1.00%61.7%
Q2 202467$312.1M13.35%2.08%1.18%58.9%

1,341 peers · $100 million – $1 billion

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 ratio14.17%
80th
Problem loans3.14%
2nd
Net charge-offs0.13%
80th
Return on assets1.09%
71st
Loans to deposits58.8%
79th
Uninsured deposits27.7%
1st
Loan-loss reserves0.00%
50th
Texas ratio13.2%
7th

Similar-size credit unions in North Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Hometown Credit UnionCredit union Kulm, ND58 out of 100, Moderate$223.1M15.6%6.81%vs
Railway Credit UnionCredit union Mandan, ND74 out of 100, Strong$211.6M12.1%0.50%vs
North Star Community Credit UnionCredit union Maddock, ND61 out of 100, Moderate$464.8M14.3%2.87%vs
Aspire Community Federal Credit UnionCredit union Minot, ND87 out of 100, Very strong$181.6M15.6%0.41%vs
Community Credit UnionCredit union New Rockford, ND95 out of 100, Very strong$171.6M17.7%0.22%vs
Western CooperativeCredit union Williston, ND64 out of 100, Moderate$522.2M14.2%3.17%vs

Deposit insurance

Is my money safe at Dakota West Credit Union?

Yes. Dakota West Credit Union is a federally insured credit union (NCUA charter #62380). 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 27.7% of shares and deposits ($78.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Dakota West Credit Union lists 8 offices in 8 cities. Most locations:

  • Bowman, ND (1)
  • Grenora, ND (1)
  • Mohall, ND (1)
  • New England, ND (1)
  • New Town, ND (1)
  • Turtle Lake, ND (1)
  • Washburn, ND (1)
  • Watford City, ND (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dakota West Credit Union reported 43 home-loan applications under HMDA (LEI 549300N5XAMERUPUAQ72): 8 originated ($2,250,000 total), 17 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 51.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dakota West Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62380
RSSD ID
629791
Primary regulator
State + NCUA
Established
1941
Headquarters
Po Box 1496, Watford City, ND 58854
Employees
55

Quick answers

Dakota West Credit Union: common questions

Is Dakota West Credit Union NCUA insured?

Yes. Dakota West Credit Union is a federally insured credit union (NCUA charter #62380). 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 West Credit Union's TellerScore?

61 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 West Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Watford City

InstitutionScoreAssetsCapitalProblem loansCompare
BNC National BankBank Glendale, AZ71 out of 100, Strong$1.0B12.2%0.84%vs
First International Bank & TrustBank Watford City, ND52 out of 100, Below average$6.2B9.1%1.54%vs
Cornerstone BankBank Fargo, ND47 out of 100, Below average$1.9B9.6%2.35%vs