TellerScore

Dakotaland Federal Credit Union is a federal credit union headquartered in Huron, South Dakota, in business for about 91 years. At the end of Q2 2026 it reported $751.6M in total assets and $644.5M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Dakotaland Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in South Dakota, it ranks 10th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (59/100; 10.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.87%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.57%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity82/100
Loans ÷ shares: 78.1% · 13.5% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.74%

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 7 points (69 → 76), mostly because the earnings component improved by 22 points.

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202572
Q2 202569
Q3 202573
Q4 202574
Q1 202675
Q2 202676
Net worth ratio
7.00%8.94%10.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.88%
Q3 20249.91%
Q4 20249.65%
Q1 20259.59%
Q2 20259.98%
Q3 202510.38%
Q4 202510.54%
Q1 202610.61%
Q2 202610.87%
Delinquent loans (60+ days)
0.24%0.46%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.68%
Q4 20240.37%
Q1 20250.24%
Q2 20250.61%
Q3 20250.54%
Q4 20250.46%
Q1 20260.53%
Q2 20260.57%
Return on assets
0.69%1.12%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.86%
Q4 20240.84%
Q1 20250.99%
Q2 20251.01%
Q3 20251.29%
Q4 20251.28%
Q1 20261.41%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$751.6M10.87%0.57%1.54%78.1%
Q1 202675$739.6M10.61%0.53%1.41%74.7%
Q4 202574$719.9M10.54%0.46%1.28%76.1%
Q3 202573$709.4M10.38%0.54%1.29%77.6%
Q2 202569$704.3M9.98%0.61%1.01%75.1%
Q1 202572$714.7M9.59%0.24%0.99%71.9%
Q4 202469$691.7M9.65%0.37%0.84%73.2%
Q3 202467$658.7M9.91%0.68%0.86%75.7%
Q2 202466$640.6M9.88%0.56%0.69%76.8%

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 ratio10.87%
42nd
Problem loans0.57%
58th
Net charge-offs0.10%
86th
Return on assets1.54%
90th
Loans to deposits78.1%
44th
Uninsured deposits13.5%
7th
Loan-loss reserves0.00%
50th
Texas ratio3.7%
53rd

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Levo Federal Credit UnionCredit union Sioux Falls, SD64 out of 100, Moderate$516.0M11.5%1.49%vs
Voyage Federal Credit UnionCredit union Sioux Falls, SD66 out of 100, Moderate$285.3M10.0%0.83%vs
Highmark Federal Credit UnionCredit union Rapid City, SD46 out of 100, Below average$257.8M7.7%1.43%vs
Service First Federal Credit UnionCredit union Sioux Falls, SD65 out of 100, Moderate$209.7M9.3%0.94%vs
Bluestone Federal Credit UnionCredit union Sioux Falls, SD68 out of 100, Moderate$205.6M9.6%0.50%vs
Northern Hills Federal Credit UnionCredit union Sturgis, SD66 out of 100, Moderate$204.9M9.6%0.29%vs

Deposit insurance

Is my money safe at Dakotaland Federal Credit Union?

Yes. Dakotaland Federal Credit Union is a federally insured credit union (NCUA charter #167). 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 13.5% of shares and deposits ($87.2M) 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 10.87%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Dakotaland Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Cash Back VISA9.90% – 17.90%$0—1.0%

All Dakotaland Federal Credit Union card terms

Identity & history

Profile

Legal name
Dakotaland Federal Credit Union
Type
Federal credit union
NCUA charter #
167
RSSD ID
901376
Primary regulator
NCUA
Established
1935
Headquarters
2297 Kansas Ave SE, Suite 1, Huron, SD 57350
Employees
174

Quick answers

Dakotaland Federal Credit Union: common questions

Is Dakotaland Federal Credit Union NCUA insured?

Yes. Dakotaland Federal Credit Union is a federally insured credit union (NCUA charter #167). 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 Dakotaland Federal Credit Union's TellerScore?

76 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.

How many branches does Dakotaland Federal Credit Union have?

5 offices as of the latest NCUA data.