TellerScore

Lakota Federal Credit Union (NCUA charter #24847) is based in Kyle, South Dakota. Its Q2 2026 call report shows $19.7M in total assets and $12.2M in member shares and deposits.

Lakota Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 5th. Capital cushion contributes the most (100/100, 22.07%); loan quality contributes the least (51/100, 1.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.07%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.46%
Earnings100/100
Return on assets (annualized): 8.80%
Funding & liquidity95/100
Loans ÷ shares: 65.0% · 8.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.66%

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 (80 → 87), mostly because the loan quality component improved by 21 points.

TellerScore
597795Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202479
Q4 202477
Q1 202559
Q2 202580
Q3 202593
Q4 202595
Q1 202672
Q2 202687
Net worth ratio
7.00%20.05%33.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202428.66%
Q3 202417.30%
Q4 202429.84%
Q1 202528.38%
Q2 202533.10%
Q3 202524.16%
Q4 202523.07%
Q1 202622.62%
Q2 202622.07%
Delinquent loans (60+ days)
0.43%1.44%2.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.70%
Q3 20242.28%
Q4 20242.45%
Q1 20252.28%
Q2 20252.09%
Q3 20250.61%
Q4 20250.43%
Q1 20260.72%
Q2 20261.46%
Return on assets
-14.16%-1.42%11.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 202411.33%
Q3 20248.58%
Q4 20245.30%
Q1 2025-14.16%
Q2 20255.67%
Q3 20254.30%
Q4 20252.64%
Q1 2026-3.27%
Q2 20268.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$19.7M22.07%1.46%8.80%65.0%
Q1 202672$19.3M22.62%0.72%-3.27%69.9%
Q4 202595$19.2M23.07%0.43%2.64%70.4%
Q3 202593$19.0M24.16%0.61%4.30%73.9%
Q2 202580$18.7M33.10%2.09%5.67%74.4%
Q1 202559$18.0M28.38%2.28%-14.16%69.3%
Q4 202477$16.2M29.84%2.45%5.30%70.5%
Q3 202479$15.9M17.30%2.28%8.58%67.0%
Q2 202490$12.9M28.66%0.70%11.33%86.1%

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 ratio22.07%
83rd
Problem loans1.46%
29th
Net charge-offs0.19%
49th
Return on assets8.80%
100th
Loans to deposits65.0%
41st
Uninsured deposits8.7%
9th
Loan-loss reserves0.00%
37th
Texas ratio2.7%
45th

Similar-size credit unions in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Coteau Valley Federal Credit UnionCredit union Sisseton, SD56 out of 100, Moderate$18.8M10.0%1.98%vs
Huron Area Education Federal Credit UnionCredit union Huron, SD87 out of 100, Very strong$18.8M12.4%0.00%vs
Consumer'S Federal Credit UnionCredit union Gregory, SD74 out of 100, Strong$21.4M9.7%0.14%vs
Palace City Federal Credit UnionCredit union Mitchell, SD72 out of 100, Strong$16.5M9.9%0.01%vs
Minuteman Federal Credit UnionCredit union Rapid City, SD56 out of 100, Moderate$15.2M14.3%3.05%vs
Dacotah Federal Credit UnionCredit union Rapid City, SD70 out of 100, Strong$11.1M10.1%0.00%vs

Deposit insurance

Is my money safe at Lakota Federal Credit Union?

Yes. Lakota Federal Credit Union is a federally insured credit union (NCUA charter #24847). 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 8.7% of shares and deposits ($1.1M) 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 22.07%, 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
Lakota Federal Credit Union
Type
Federal credit union
NCUA charter #
24847
RSSD ID
4452960
Primary regulator
NCUA
Established
2012
Headquarters
PO Box 196, Kyle, SD 57752
Employees
11

Quick answers

Lakota Federal Credit Union: common questions

Is Lakota Federal Credit Union NCUA insured?

Yes. Lakota Federal Credit Union is a federally insured credit union (NCUA charter #24847). 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 Lakota Federal Credit Union's TellerScore?

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