DAKOTA WEST

Charter #62380 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

DAKOTA WEST has 4 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.5% in tier
  • + Wallet Share Momentum: Top 20.4% in tier
  • + Average Member Relationship (AMR): Top 0.8% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.2% in tier
  • - Liquidity Overhang: Bottom 15.0% in tier
  • - Stagnation Risk: Bottom 17.0% in tier
  • - Membership Headwinds: Bottom 22.7% in tier
  • - Efficiency Drag: Bottom 27.5% in tier
  • - Institutional Decline: Bottom 28.1% in tier
  • - ROA 0.38% below tier average
  • - Efficiency ratio 3.11% above tier (higher cost structure)
  • - Delinquency rate 1.85% above tier average
  • - Members Per Employee (MPE): Bottom 0.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 7,217
-1.6% YoY+0.9% QoQ
 -8.4K 15,628
-3.4% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 Bottom 11.9% in tier
Assets $335.0M
+4.9% YoY+2.3% QoQ
 +$103.7M $231.3M
-0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 21.2% in tier
Loans $171.9M
-0.5% YoY-0.7% QoQ
 +$24.1M $147.8M
-1.4% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $292.5M
+4.4% YoY+1.7% QoQ
 +$92.2M $200.3M
-0.0% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 Top 19.7% in tier
ROA 0.4%
-59.2% YoY-23.4% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 3.4%
+1.4% YoY+3.8% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 40th in tier
Efficiency Ratio 80.4%
+10.5% YoY+3.0% QoQ
 +3.1% 77.3%
-3.0% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 2.7%
+527.8% YoY-44.6% QoQ
 +1.8 0.9%
+7.6% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 Top 3.0% in tier
Loan To Share 58.8%
-4.7% YoY-2.4% QoQ
 -13.9% 72.7%
-1.5% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 Bottom 20.1% in tier
AMR $64,347
+4.2% YoY-0.1% QoQ
 +$40K $24,363
+2.9% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 0.9% in tier
CD Concentration 23.9%
+12.9% YoY+7.2% QoQ
 -0.5% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.2%
-44.3% YoY-15.2% QoQ
 -12.8% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#153 of 1006 • Top 5.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $12.2K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#563 of 1006 • Top 20.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#6 of 736 • Bottom 0.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 2.27% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#233 of 552 • Bottom 15.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.12%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.78%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Stagnation Risk

risk
#280 of 550 • Bottom 17.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.41%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $64.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 23.88%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#375 of 550 • Bottom 22.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk
#485 of 521 • Bottom 27.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.39%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.60% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Institutional Decline

decline
#222 of 256 • Bottom 28.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $335.02M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -1.58%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.51%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

10
Average Member Relationship (AMR)
engagement
Value: $64,347
Peer Avg: $24,363
#10 of 1077 Top 0.8% in 100M-500M tier
21
Loan-to-Member Ratio (LMR)
engagement
Value: $23,820
Peer Avg: $10,245
#21 of 1077 Top 1.9% in 100M-500M tier
212
Total Deposits
balance_sheet
Value: $292.48M
Peer Avg: $200.29M
#212 of 1077 Top 19.6% in 100M-500M tier
213
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.47%
#213 of 1077 Top 19.7% in 100M-500M tier
228
Total Assets
balance_sheet
Value: $335.02M
Peer Avg: $231.30M
#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1073
Members Per Employee (MPE)
engagement
Value: 138.788
Peer Avg: 332.881
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1046
Total Delinquency Rate (60+ days)
risk
Value: 2.71%
Peer Avg: 0.86%
#1046 of 1077 Bottom 3.0% in 100M-500M tier
949
Total Members
engagement
Value: 7,217
Peer Avg: 15,628
#949 of 1077 Bottom 12.0% in 100M-500M tier
860
Loan-to-Share Ratio
balance_sheet
Value: 58.78%
Peer Avg: 72.70%
#860 of 1077 Bottom 20.2% in 100M-500M tier