BlastPoint's Credit Union Scorecard
WAKOTA
Charter #24579 · MN
WAKOTA has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.29% above tier average
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,724
-2.7% YoY-1.7% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$45.2M
+2.6% YoY-1.0% QoQ
|
+$15.1M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$28.3M
-1.3% YoY-0.3% QoQ
|
+$12.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$39.9M
+0.9% YoY-1.9% QoQ
|
+$14.2M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
75% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+4.8% YoY-10.2% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
3.9%
+1.9% YoY-1.1% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
69.3%
+1.4% YoY+1.3% QoQ
|
-13.3% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.8%
+267.6% YoY+131.9% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
70.8%
-2.2% YoY+1.6% QoQ
|
+10.2% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$18,297
+2.8% YoY+0.5% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
16.3%
-24.4% YoY-17.7% QoQ
|
-8.1% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
2.0%
-17.8% YoY-47.8% QoQ
|
-11.8% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)