South St Paul, Minnesota · Peer group 3
Wakota Credit Union
Wakota Credit Union holds $46.0M in assets across 3,725 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1931. Charter number 24579, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $46.0M |
|---|---|
| Total loans | $27.2M |
| Total shares (deposits) | $40.8M |
| Net worth | $4.8M |
| Members | 3,725 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.2% | |
|---|---|---|
| Loans | -2.3% | around the 50th percentile of its peer group |
| Deposits | -0.0% | around the 41st percentile of its peer group |
| Members | -2.0% | around the 41st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 66.7% | around the 65th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.4% | around the 21st percentile of its peer group |
| Return on assets | 1.29% | around the 80th percentile of its peer group |
| Delinquency ratio | 1.29% | around the 74th percentile of its peer group |
| Cash / assets | 4.3% | lower than 92% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Wakota Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Virginia Coop Credit Union
Virginia, MN
$44.7M · 2,784 members
- Carpenters Credit Union
Saint Paul, MN
$43.9M · 15,373 members
- West Metro Schools Credit Union
Hopkins, MN
$43.1M · 2,592 members
- Toro Employees Credit Union
Bloomington, MN
$42.0M · 2,905 members
- North Memorial Credit Union
ROBBINSDALE, MN
$50.9M · 4,527 members
- Pipefitters-Steamfitters Credit Union
Woodbury, MN
$51.6M · 3,768 members
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