CU Explorer
Credit unions · Minnesota · Q2 2026

Wakota FCU

Credit union in South St Paul, MN · NCUA charter #24579 · Federal charter

Legal name: Wakota

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$44.8M
Total loans & leases$27.2M
Total shares & deposits$39.4M
Members3,739
Net worth$4.9M
Net worth / assets10.95%
Loans / assets60.66%
Return on assets (annualized)1.18%
Loan growth (YoY)−3.70%
Member growth (YoY)−1.45%
Delinquency, all loans (60+ days)1.49%
CharterFederal charter
Asset band< $50M
NCUA peer group$10M–$50M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, other fintech, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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