Wakota

South St Paul, MN · 1 · Charter #24579 · www.wakotafcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$45.2M
96th percentile
Members
3,724
92th percentile
Total loans
$28.3M
97th percentile
Total shares
$39.9M
97th percentile

Profitability

Return on assets
1.61%
82th percentile
Net interest margin
3.92%
48th percentile
Efficiency ratio
58.42%
69th percentile
Non-interest income ratio
21.19%
84th percentile

Capital & Risk

Net worth ratio
10.27%
17th percentile
Delinquency rate
1.84%
26th percentile
Net charge-off rate
0.31%
43th percentile
Loan-to-share
70.83%
64th percentile

Growth

Member growth YoY
-2.72%
36th percentile
Asset growth YoY
2.59%
59th percentile
Loan growth YoY
-1.32%
58th percentile
Share growth YoY
0.94%
53th percentile

Operations

Members / branch
3,724
96th percentile
Assets / member
$12,138
72th percentile
Field of membership penetration
0.96%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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