Federal credit union · Agency Village, South Dakota · NCUA charter #23309
Sisseton-wahpeton
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $5.0M
- Total assets
- 1,178
- Members
- 18.2%
- Net-worth ratio
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.
Sisseton-wahpeton - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)30
- Earnings (ROA)0
- Member growth20
- Liquidity (loan-to-share)7
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 18.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.23% | 30% |
| Delinquency Rate | 2.80% | 25% |
| Return on Assets | -3.68% | 15% |
| Member Growth | -3.36% | 15% |
| Loan-to-Share Ratio | 125.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Sisseton-wahpeton
1,178 members and $5.0M in total assets sit behind Sisseton-wahpeton, a federal credit union in Agency Village, South Dakota, which posts a health score of 41/100 (Below Average) on the five-factor composite, with $3.0M in outstanding loans as of Q4 2025 and a net worth ratio of 18.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #23309 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 2.80% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 125.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -3.68% on net income of $-183949 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.36%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Association/Group); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in South Dakota
Other federally-insured credit unions in South Dakota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.23% 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 18.23% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.