Huron, South Dakota · Peer group 2
Dakota Rail Line Credit Union
Dakota Rail Line Credit Union holds $5.3M in assets across 492 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1954. Charter number 9907, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $5.3M |
|---|---|
| Total loans | $3.7M |
| Total shares (deposits) | $4.4M |
| Net worth | $875K |
| Members | 492 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.4% | |
|---|---|---|
| Loans | -2.4% | around the 60th percentile of its peer group |
| Deposits | 1.9% | around the 68th percentile of its peer group |
| Members | 0.2% | around the 70th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.6% | around the 81st percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.6% | around the 49th percentile of its peer group |
| Return on assets | 1.86% | higher than 92% of its peer group |
| Delinquency ratio | 1.24% | around the 58th percentile of its peer group |
| Cash / assets | 15.8% | around the 52nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Dakota Rail Line Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within South Dakota — the comparison set a peer ratio is measured against.
- Sisseton-Wahpeton Credit Union
Agency Village, SD
$5.1M · 1,188 members
- Hb Telco Credit Union
Huron, SD
$4.9M · 788 members
- Dacotah Credit Union
Rapid City, SD
$11.1M · 828 members
- Minuteman Credit Union
RAPID CITY, SD
$16.3M · 1,163 members
- Palace City Credit Union
Mitchell, SD
$16.4M · 1,562 members
- Huron Area Education Credit Union
HURON, SD
$18.5M · 854 members
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