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
Call Report peers
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SISSETON-WAHPETON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SISSETON-WAHPETON sits in 40-44 with 25 others.
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
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).
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).
- No scored South Dakota credit union ranks lower; the next one up, Hb Telco (#32) scores 70/100, 29 points higher.
How SISSETON-WAHPETON's 5300 filing moved
SISSETON-WAHPETON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $5.0M (2025Q4) to $5.1M (2026Q1).
- Net-worth ratio shifted +2.46 pp (38.26% → 40.72%).
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
SISSETON-WAHPETON gives up 59 points in total. Delinquency Rate costs the most, 17.5 of its 25; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is SISSETON-WAHPETON financially healthy?
On its 2025Q4 NCUA 5300 filing, SISSETON-WAHPETON scores 41/100 (Below Average), with a 40.72% net worth ratio and 2.80% of loans delinquent. It ranks #4,328 of 4,374 nationally on health and #33 of 33 in South Dakota.
How does SISSETON-WAHPETON compare to other credit unions?
SISSETON-WAHPETON scores 41/100, higher than 1% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (125.39% vs 63.60%). Its widest shortfall is return on assets (-3.68% vs 0.45%).
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?
SISSETON-WAHPETON is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.