WAKOTA
Charter #24579 · South St Paul, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.31% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.31% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.29% sits at the 89th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.70% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.20% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WAKOTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $46.01M | 94th pct | 75th pct |
| Members | 3,725 | 87th pct | 70th pct |
| Net worth ratio | 10.42% | 21th pct | 31th pct |
| Return on average assets | 1.31% | 80th pct | 84th pct |
| Net interest margin | 4.31% | 72th pct | 82th pct |
| Cost of funds | 0.63% | 40th pct | 41th pct |
| Loan-to-share | 66.74% | 65th pct | 52th pct |
| Delinquency 60+ days | 1.29% | 74th pct | 89th pct |
| Net charge-off ratio | 1.70% | 93th pct | 97th pct |
| Loan growth YoY | -3.88% | 39th pct | 41th pct |
| Share growth YoY | 0.41% | 30th pct | 25th pct |
| Efficiency ratio | 65.20% | 17th pct | 16th pct |
structural peer set hash: 344522890536d380d67e773dfd442aa5… (reproducible)
Closest structural peers
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Claim WAKOTA
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.