DAKOTA PLAINS
Charter #63613 | ND
<100M
(2596 CUs)
Micro
($0-$500M)
17 <100M in ND
DAKOTA PLAINS has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Total Loans: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Total Assets: Top 2.2% in tier
- + Total Deposits: Top 2.9% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 13.16% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,298
+1.2% YoY+0.0% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Top 19.2% in tier |
| Assets |
$93.9M
+6.5% YoY+2.7% QoQ
|
+$64.1M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 2.2% in tier |
| Loans |
$84.7M
+10.6% YoY+3.4% QoQ
|
+$69.0M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Top 0.0% in tier |
| Deposits |
$79.2M
+3.7% YoY-0.1% QoQ
|
+$53.8M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
| ROA |
0.2%
-81.6% YoY-229.6% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 22.1% in tier |
| NIM |
4.7%
+10.7% YoY+5.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
Top 21.7% in tier |
| Efficiency Ratio |
94.6%
+9.7% YoY-2.9% QoQ
|
+13.2% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
Top 16.6% in tier |
| Delinquency Rate |
1.1%
+6.9% YoY-40.8% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
107.0%
+6.6% YoY+3.5% QoQ
|
+45.8% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 2.1% in tier |
| AMR |
$38,147
+5.9% YoY+1.7% QoQ
|
+$24K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 1.3% in tier |
| CD Concentration |
22.7%
-28.8% YoY-5.5% QoQ
|
-1.7% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
10.8%
+342.0% YoY+9.2% QoQ
|
-3.2% |
14.0%
-5.8% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (13 metrics)
1
Total Loans
balance_sheet
Value:
$84.75M
Peer Avg: $15.77M
#1 of 2596
Top 0.0% in <100M tier
14
Loan-to-Member Ratio (LMR)
engagement
Value:
$19,717
Peer Avg: $5,488
#14 of 2596
Top 0.5% in <100M tier
35
Average Member Relationship (AMR)
engagement
Value:
$38,147
Peer Avg: $14,627
#35 of 2596
Top 1.3% in <100M tier
50
Loan-to-Share Ratio
balance_sheet
Value:
106.99%
Peer Avg: 61.23%
#50 of 2596
Top 1.9% in <100M tier
58
Total Assets
balance_sheet
Value:
$93.92M
Peer Avg: $29.86M
#58 of 2596
Top 2.2% in <100M tier
77
Total Deposits
balance_sheet
Value:
$79.21M
Peer Avg: $25.45M
#77 of 2596
Top 2.9% in <100M tier
258
Loan Growth Rate
growth
Value:
10.58%
Peer Avg: 59.01%
#258 of 2596
Top 9.9% in <100M tier
268
Fee Income Per Member
profitability
Value:
$168.69
Peer Avg: $182.96
#268 of 2596
Top 10.3% in <100M tier
482
Asset Growth Rate
growth
Value:
6.46%
Peer Avg: 1.82%
#482 of 2596
Top 18.5% in <100M tier
496
Total Members
engagement
Value:
4,298
Peer Avg: 2,626
#496 of 2596
Top 19.1% in <100M tier
Top Weaknesses (4 metrics)
2364
Indirect Auto Concentration (%)
balance_sheet
Value:
10.76%
Peer Avg: 2.84%
#2364 of 2596
Bottom 9.0% in <100M tier
2326
Members Per Employee (MPE)
engagement
Value:
159.185
Peer Avg: 365.701
#2326 of 2596
Bottom 10.4% in <100M tier
2165
Efficiency Ratio
profitability
Value:
94.55%
Peer Avg: 81.39%
#2165 of 2596
Bottom 16.6% in <100M tier
2021
Return on Assets (ROA)
profitability
Value:
0.16%
Peer Avg: 0.68%
#2021 of 2596
Bottom 22.2% in <100M tier