PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wakota

South St Paul, MN · Charter 24579

NCUA · 1 branch

Q2 2026

$44.8MAssets
$27.2MLoans
$39.4MShares
$4.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.18%, down 41 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 1.49% of loans (+79 bps YoY).
  • Capital: net worth / assets of 10.95%, up 140 bps from a year ago.
  • Funding: loans stand at 69.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.18%-41 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+63 bps YoY

Efficiency Ratio (YTD, annualized)

66.39%-186 bps YoY

Net Worth / Assets

10.95%+140 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.59%1.46%1.31%1.29%1.18%-41 bps
Return on Equity16.69%14.67%12.76%12.42%10.80%-589 bps
Net Interest Margin3.81%3.98%3.92%4.27%4.44%+63 bps
Efficiency Ratio68.25%68.42%69.30%65.20%66.39%-186 bps
Growth
Asset Growth (YoY)9.35%4.66%2.59%1.19%-3.10%-1,245 bps
Loan Growth (YoY)-1.02%-0.54%-1.32%-2.29%-3.70%-268 bps
Share Growth (YoY)8.88%3.28%0.94%-0.03%-4.40%-1,328 bps
Asset Quality
Delinquent Loans / Loans0.70%0.80%1.84%1.29%1.49%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.55%9.97%10.27%10.42%10.95%+140 bps
Net Worth / Assets9.55%9.97%10.27%10.42%10.95%+140 bps
Liquidity & Funding
Loans / Shares68.50%69.72%70.83%66.74%69.00%+50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps