BlastPoint's Credit Union Scorecard
WAKOTA
Charter #24579 · MN
WAKOTA has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits -4.4% year over year ($39.4M in shares and deposits).
- Membership: 3,739 members, -1.4% vs a year ago.
- Delinquency rate 1.49%.
- Return on assets 1.17%.
- Efficiency ratio 66.39% vs a 88.77% peer average.
- Loan-to-share ratio 69.00% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,739
-1.4% YoY+0.4% QoQ
|
+1.2K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
77% |
| Assets |
$44.8M
-3.1% YoY-2.6% QoQ
|
+$14.6M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$27.2M
-3.7% YoY-0.2% QoQ
|
+$11.7M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$39.4M
-4.4% YoY-3.4% QoQ
|
+$13.6M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
1.2%
-27.4% YoY-9.8% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.4%
+14.1% YoY+2.6% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
66.4%
-2.7% YoY+1.8% QoQ
|
-22.4% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
1.5%
+112.5% YoY+15.5% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
69.0%
+0.7% YoY+3.4% QoQ
|
+10.1% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$17,816
-2.7% YoY-2.5% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
16.2%
-23.6% YoY-10.2% QoQ
|
-8.4% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
1.6%
-65.4% YoY-11.4% QoQ
|
-12.0% | 13.6% | 6.4% | 7.7% | 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)