Credit union · NCUA insured
Dakota West Credit Union
A $339.2M credit union headquartered in Watford City, ND, with 7,200 members and 8 branches in North Dakota. Best rates: CDs 3.85% and savings 0.50% APY.
Dakota West Credit Union Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#7 of 11 in Minot, ND metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Dakota West Credit Union
Established in 1941 as McKenzie County Credit Union, Dakota West Credit Union is headquartered in Watford City, North Dakota.
In 1991, the institution merged with Grenora Credit Union and adopted the Dakota West Credit Union name.
It operates branch locations across North Dakota in Watford City, Bowman, Grenora, Mohall, New England, New Town, Turtle Lake, and Washburn.
The credit union specializes in agricultural lending to assist farmers and ranchers with crop production, livestock care, and farm machinery purchases.
- Headquarters
- 340 N Main St, Watford City, ND 58854
- NCUA charter
- 62380
Branches
8 branches in North Dakota
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North Dakota
8 branches
Watford City area · 1
- Dakota West Credit UnionMain office340 Main St N, Watford City, ND 58854Directions
Bowman area · 1
- Dakota West Credit Union Bowman Branch211 1st Ave SW, Bowman, ND 58623Directions
Williston area · 1
- Dakota West CU - Grenora Branch115 Main St, Grenora, ND 58845Directions
Minot area · 1
- Dakota West Credit Union Mohall Branch202 Main St E, Mohall, ND 58761Directions
New England area · 1
- Dakota West Credit Union New England Branch900 Main St, New England, ND 58647Directions
New Town area · 1
- Dakota West CU-New Town Branch105 East Ave, New Town, ND 58763Directions
Turtle Lake area · 1
- Dakota West Credit Union Turtle Lake Branch118 Main St, Turtle Lake, ND 58575Directions
Washburn area · 1
- Dakota West CU-Washburn Branch1187 Border Lane, Washburn, ND 58577Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.17% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.14% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $59 | $76 | — |
- CapitalNet worth ratio14.17%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.14%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$59Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Dakota West Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.