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FIXnotes

DAKOTA WEST

CU

WATFORD CITY, ND

Total Assets
$339M
Total Loans
$161M
DAKOTA WEST in ND reported a texas_ratio of 15.3% in Q1 2026, up +4.9pp from the prior quarter. Nonperforming assets increased to 4.28%, a rise of +1.51pp period-over-period.

Portfolio composition

CategoryBalance% of totalNPL %Charge-off %
1-4 family — 1st lien$41M25.6%
1-4 family — junior lien$16M9.7%
Multifamily$10M6.1%
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20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

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Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

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Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

North Dakota mortgage-note market & lender distress →