Federal credit union · South St Paul, Minnesota · NCUA charter #24579
WAKOTA
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $45.2M
- Total assets
- 3,724
- Members
- 10.4%
- Net-worth ratio
WAKOTA scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.2M; members 3,724; net-worth ratio 10.42%; health rank #3,004 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,004 of 4,374 health · 2025Q4WAKOTA · health 78/100 · $45.2M · 2025Q4
Call Report peers
WAKOTA in the assets neighbourhood
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WAKOTA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WAKOTA sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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
WAKOTA: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +11.03 pp (70.83% vs 59.80%).
- Net Worth Ratio trails the peer set - 10.42% here, 14.86% peer average (-4.44 pp).
WAKOTA: in-state Call Report ranks
- Health composite ranks #67 of 82 among scored Minnesota credit unions.
- Minnesota assets place: #53 of 82.
- Membership ranks #53 of 82 among Minnesota CUs with a reported count (3,724 members).
- One place up in Minnesota, Fairmont School Employees (#66) ties at 78/100; one place down, TEAMSTERS (#68) ties at 78/100.
How WAKOTA's 5300 filing moved
WAKOTA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $45.2M (2025Q4) to $46.0M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.27% → 10.42%).
At 10.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
WAKOTA gives up 22 points in total. Delinquency Rate costs the most, 11.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.7 pts
- Return on Assets 15.0 pts
- Member Growth 4.1 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.42% | -4.44 pp |
| Delinquency Rate | 1.84% | +0.70 pp |
| Return on Assets | 1.21% | +0.50 pp |
| Member Growth | -2.72% | - |
| Loan-to-Share Ratio | 70.83% | +11.03 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
WAKOTA quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $46.0M | - |
| 2025Q4 | $45.2M | 3,724 |
| 2024Q4 | $44.1M | 3,828 |
| 2023Q4 | $42.7M | 3,850 |
Credit Union Details
- Charter Number
- 24579
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- South St Paul
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for WAKOTA.
| Office | City |
|---|---|
| Main Office (Main Office) | South St Paul, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Other-state peers near WAKOTA
Similar total assets
Similar health score
Using this data
- WAKOTA ranks #3,004 of 4,374 nationally on financial health and #67 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CARPENTERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CARPENTERS
Frequently Asked Questions
Is WAKOTA financially healthy?
WAKOTA has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,004 of 4,374 nationally on health and #67 of 82 in Minnesota. Its net worth ratio is 10.42% and its delinquency rate 1.84%.
How does WAKOTA compare to other credit unions?
WAKOTA scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.83% vs 59.80%). Its widest shortfall is net worth ratio (10.42% vs 14.86%).
How can I join WAKOTA?
WAKOTA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact WAKOTA directly for the exact boundaries and application steps.
Is my money safe at WAKOTA?
WAKOTA 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. WAKOTA's net worth ratio of 10.42% 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.