Federal credit union · Agency Village, South Dakota · NCUA charter #23309
SISSETON-WAHPETON
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $5.0M
- Total assets
- 1,178
- Members
- 40.7%
- Net-worth ratio
SISSETON-WAHPETON scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.0M; members 1,178; net-worth ratio 40.72%; health rank #4,328 of 4,374; healthier than 1st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,328 of 4,374 health · 2025Q4SISSETON-WAHPETON · health 41/100 · $5.0M · 2025Q4
- RANK 41/100
- PHOTO 40.7%
- BOOK 2.80%
- CHARTER -3.68%
- NCUSIF $5.0M
- CAMELS 1,178
- HEALTH #4,328/4,374
- NW n/a
- DELQ 23309
Call Report peers
SISSETON-WAHPETON carries $5.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SISSETON-WAHPETON vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
41 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SISSETON-WAHPETON - Share Insurance Coverage
Charter #23309's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where SISSETON-WAHPETON diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 125.39% here, 63.60% peer average (+61.79 pp).
- Return on Assets trails the peer set - -3.68% here, 0.45% peer average (-4.14 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SISSETON-WAHPETON: in-state Call Report ranks
- Health composite ranks #33 of 33 among scored South Dakota credit unions.
- Assets rank #32 of 33 inside South Dakota ($5.0M reported).
- Membership ranks #28 of 33 among South Dakota CUs with a reported count (1,178 members).
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SISSETON-WAHPETON's 5300 filing moved
SISSETON-WAHPETON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $5.0M (2025Q4) to $5.1M (2026Q1).
- Net-worth ratio shifted +2.46 pp (38.26% → 40.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 40.72%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 41/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.5 pts
- Return on Assets 0.0 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 0.6 pts
SISSETON-WAHPETON health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 40.72% | +21.66 pp |
| Delinquency Rate | 2.80% | +0.99 pp |
| Return on Assets | -3.68% | -4.14 pp |
| Member Growth | -3.36% | - |
| Loan-to-Share Ratio | 125.39% | +61.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - SISSETON-WAHPETON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.1M | - |
| 2025Q4 | $5.0M | 1,178 |
| 2024Q4 | $4.8M | 1,219 |
| 2023Q4 | $5.6M | 1,374 |
Credit Union Details
- Charter Number
- 23309
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $2M–$10M
- State
- South Dakota
- City
- Agency Village
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, SISSETON-WAHPETON runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Agency Village, SD |
| Disaster Recovery Location | Sisseton, SD |
| Vital Records | Yankton, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
SISSETON-WAHPETON nationwide neighbourhoods
Cross-state asset and health neighbours for SISSETON-WAHPETON - kept outside South Dakota; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
Using this data
- SISSETON-WAHPETON ranks #4,328 of 4,374 nationally on financial health and #33 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hb Telco is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hb Telco
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SISSETON-WAHPETON financially healthy?
Yes/no aside, the number is 41/100 (Below Average) - SISSETON-WAHPETON's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,328 of 4,374; by total assets it ranks #3,890 of 4,374 nationally (same basis as /rankings/largest); and #32 of 33 within South Dakota. Above 80 reads excellent, below 50 warrants closer monitoring; a 40.72% net worth ratio and 2.80% delinquency rate are the key drivers.
How does SISSETON-WAHPETON compare to other credit unions?
Five weighted metrics from NCUA filings produce SISSETON-WAHPETON's 41/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SISSETON-WAHPETON?
SISSETON-WAHPETON serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact SISSETON-WAHPETON directly for the current list of qualifying groups.
Is my money safe at SISSETON-WAHPETON?
Federal credit unions like SISSETON-WAHPETON are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SISSETON-WAHPETON's net worth ratio of 40.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SISSETON-WAHPETON offer compared to banks?
Credit unions like SISSETON-WAHPETON are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SISSETON-WAHPETON directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.