Credit union
Lakota Federal Credit Union
Kyle, South Dakota
$20M in total assets and 4,128 members, the 3,132nd largest of 4,298 US credit unions and 25th of 33 headquartered in South Dakota.
- NCUA charter
- 24847
- Charter
- Federal
- Chartered
- 2012
- NCUA insured since
- 2012
- Field of membership
- Community credit unions
- Low-income designation
- Yes
- Website
- http://www.lakotafcu.org
At a glance
Compared with 17 federally insured credit unions in South Dakota with under $100 million in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $20M | 29% | $41M | |
| Loans | $8M | 18% | $18M | |
| Deposits (shares) | $12M | 6% | $32M | |
| Members | 4,128 | 88% | 2,828 | |
| Return on assets | 8.90% | 98% | 1.03% | |
| Net interest income to assets | 13.49% | 98% | 4.06% | |
| Efficiency ratio | 46.5% | 2% | 74.4% | |
| Net worth ratio | 22.07% | 98% | 11.12% | |
| Loans to shares | 65% | 59% | 63% | |
| Cost of deposits | 2.79% | 98% | 1.51% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 16.7% a year over 10 years and 16.9% a year over the last 5, without mergers. Membership grew 4.5% a year over 5 years, to 4,128.
Where they operate
1 branch in 0 counties.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 1 | |
| 2017 | 1 | 0 |
| 2018 | 1 | 0 |
| 2019 | 1 | 0 |
| 2020 | 1 | 0 |
| 2021 | 1 | 0 |
| 2022 | 1 | 0 |
| 2023 | 1 | 0 |
| 2024 | 1 | 0 |
| 2025 | 1 | 0 |
| Jun 2026 | 1 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.45% | 0.93% |
| Net worth ratio | 22.07% | 11.12% |
| Loans to shares | 65% | 63% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in South Dakota
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.