BlastPoint's Credit Union Scorecard

WAKOTA

Charter #24579 · MN

<100M

2508 CUs in <100M nationally 38 in MN

WAKOTA has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.15% above tier average
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Net Charge-Off Rate: Bottom 7.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	3,725 -2.0% YoY+0.0% QoQ	+1.0K	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	76%
Assets	$46.0M +1.2% YoY+1.8% QoQ	+$15.8M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	74%
Loans	$27.2M -2.3% YoY-3.6% QoQ	+$12.0M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	80%
Deposits	$40.8M -0.0% YoY+2.3% QoQ	+$15.0M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +4.2% YoY-0.8% QoQ	+1.1%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	79%
NIM	4.3% +12.5% YoY+9.3% QoQ	+0.3%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	65.2% -10.9% YoY-5.9% QoQ	-25.4%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	1.3% +112.7% YoY-29.9% QoQ	-0.2	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	70%
Loan To Share	66.7% -2.3% YoY-5.8% QoQ	+8.2%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	62%
AMR	$18,273 +1.0% YoY-0.1% QoQ	+$3K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	70%
CD Concentration	18.0% -15.8% YoY+10.5% QoQ	-6.3%	24.3%	22.6%	19.8%	50%
Indirect Auto %	1.8% -55.7% YoY-6.8% QoQ	-12.0%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

451

Efficiency Ratio

profitability

Value: 65.20%

Peer Median: 81.45%

#451 of 2508 Top 17.9% in <100M tier

496

Total Loans

balance_sheet

Value: $27.24M

Peer Median: $9.48M

#496 of 2508 Top 19.7% in <100M tier

517

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.61%

#517 of 2508 Top 20.6% in <100M tier

554

Loan-to-Member Ratio (LMR)

engagement

Value: $7,314

Peer Median: $4,923

#554 of 2508 Top 22.0% in <100M tier

591

Total Members

engagement

Value: 3,725

Peer Median: 1,918

#591 of 2508 Top 23.5% in <100M tier

610

Total Deposits

balance_sheet

Value: $40.82M

Peer Median: $18.77M

#610 of 2508 Top 24.3% in <100M tier

Top Weaknesses (3 metrics)

2318

Net Charge-Off Rate

risk

Value: 1.73%

Peer Median: 0.07%

#2318 of 2508 Bottom 7.6% in <100M tier

2188

Indirect Auto Concentration (%)

balance_sheet

Value: 1.83%

Peer Median: 0.00%

#2188 of 2508 Bottom 12.8% in <100M tier

2004

Net Worth Ratio

risk

Value: 10.42%

Peer Median: 14.28%

#2004 of 2508 Bottom 20.1% in <100M tier