You can use nidump to dump your own user data into a file, alter the data to fit your new user and then use niload to upload the new data to NetInfo. Alternatively, you could fill that data into the following sequence of commands:
niutil -create / /users/<username>
niutil -createprop / /users/<username> name <username>
niutil -createprop / /users/<username> uid <UID>
niutil -createprop / /users/<username> "`openssl passwd '<Password>' `"
niutil -createprop / /users/<username> home <Home>
niutil -createprop / /users/<username> shell <shell>
niutil -createprop / /users/<username> gid <GID>
It shouldn't be difficult to alter the above commands to add a group, which contains considerably less data.