Dacotah Credit Union

Dacotah Credit Union is headquartered in RAPID CITY and is the 33^rd largest credit union in the state of South Dakota. It is also the 4,432^nd largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 5 employees and 1,184 members. Dacotah Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Dacotah Credit Union Savings Account Rates

Dacotah Credit Union CD Rates

Dacotah Credit Union IRA Rates

Data for Q4 2011

Institution Statistics DACOTAH NCUA # 7021 BankRate Report View Year Chartered 1950 Employees 5 Primary Regulator Assets and Liabilities Assets $11.24 million Loans $8.09 million Deposits $10.33 million Equity Capital $850,000 Loan Loss Allowance $168,000 Unbacked Noncurrent Loans $199,000 Real Estate Owned $78,000 Historic Data - December 2010 Assets $10.40 million Equity Capital $839,000 Loan Loss Allowance $146,000 Unbacked Noncurrent Loans $193,000 Real Estate Owned $66,000 Profit Margin - Quarterly Net Interest Margin 7.65% Return on Assets 0.09% Return on Equity 1.18% Interest Income $700,000 Non-Interest Income $67,000

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Dacotah Credit Union had $277,000 in non-current loans and owned real-estate with $1.02 million in equity and loan loss allowances on hand to cover it. This gives Dacotah Credit Union a Texas Ratio of 27.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dacotah Credit Union held steady from 26.29% as of December 31, 2010 to 27.21% as of December 31, 2011, resulting in a negative change of 3.48%. This indicates that the balance sheet and financial strength for Dacotah Credit Union has held steady in recent periods. Deposit Growth In the past year, Dacotah Credit Union has increased its total deposits by $860,000, resulting in 9.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Dacotah Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Dacotah Credit Union has $11.24 million in assets with $1.02 million in equity, resulting in a capitalization level of 9.06%, which is average.

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