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Overview / Commentary
1 Main BIA 2 Lakota Trade Center
Kyle, SD 57752

Lakota is headquartered in Kyle and is the 37th largest credit union in the state of South Dakota. It is also the 4,786th largest credit union in the nation. It was established in 2012 and as of December of 2017, it had grown to 5 employees and 2,308 members at 1 location. Lakota's CD rates are 11% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership in Lakota Federal Credit Union is open to those who live, work, attend school, volunteer or worship on the Pine Ridge Reservation.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Lakota has a very low asset base.

Health Grade Components

NCUA #24847
Year Chartered2012
Primary Regulator
Profit Margin
Return on Assets - YTD4.34%
Return on Equity - YTD33.61%
Annual Interest Income$246.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$4.6MM$4.7MM
LoansQ4 2017vs Q4 2016$2.5MM$2.8MM
DepositsQ4 2017vs Q4 2016$3.2MM$4.1MM
Equity CapitalQ4 2017vs Q4 2016$598.00K$420.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$143.00K$217.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$89.00K$163.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Lakota CD Rates

1.10%*$250*$25k36 Month CD
OTHER TIERS: 0.10% $25k - $250k
1.00%*$25k*$250k12 Month CD
OTHER TIERS: 0.65% $250 - $25k
0.75%*$250*$25k24 Month CD
OTHER TIERS: 0.10% $25k - $250k
0.40%$100$25k9 Month CD
0.30%$100$25k6 Month CD
0.25%$100$25k3 Month CD

Lakota Locations
Branch Office1 Main BIA 2 Lakota Trade CenterKyle, SD 57752