# SISSETON-WAHPETON
Agency Village, SD · NCUA charter 23309 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sisseton-wahpeton-23309

Who the members are: federal charter, associational, organized 1979, low-income designated, minority depository institution. 1,188 members of 7,500 potential (15.8% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 129.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.1M |
| Members | 1,188 (-1.3% YoY) |
| Full-time staff | 5 |
| Net worth | $2.1M |
| Net worth ratio | 40.7% (p97 of band) |
| ROA (annualized) | 5.14% (p99 of band) |
| Total delinquency | 2.49% (p83 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 121% (p100 of band) |
| Cash / assets | 41.8% |
| Borrowings / assets | 19.55% |
| Net interest margin | 9.70% (p100 of band) |
| Operating expense / assets | 12.83% (p99 of band) |
| Vehicles % of loans | 60% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 10% (p90 of band) |
| Vehicle delinquency | 1.49% (p73 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 35% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 26% |
| Average share balance | $843 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $201,872 |
| Loans outstanding per 100 members | 129% |
| Loans granted per 100 members, annualized | 40% |
| Average loan balance | $1,924 |
| Loans granted, annualized | $1.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $201,872 outstanding purchased (9.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -3.3% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | losing money, expense trap, delinquency 2x band |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | losing money |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | net worth falling, assets shrinking |  |
| 2017-06 | 4 |  | net worth falling |
| 2017-09 | 5 | loans>95% of shares, auto monoline | delinquency 2x band |
| 2017-12 | 5 |  |  |
| 2018-03 | 6 | delinquency 2x band |  |
| 2018-06 | 6 | delinquency rising | losing money |
| 2018-09 | 7 | net worth falling, members leaving | assets shrinking |
| 2018-12 | 6 |  | net worth falling |
| 2019-03 | 6 | losing money, charge-offs p90 | auto monoline, delinquency rising |
| 2019-06 | 6 | net worth falling | charge-offs p90 |
| 2019-09 | 5 | assets shrinking | members leaving, net worth falling |
| 2019-12 | 4 | charge-offs p90 | loans>95% of shares, assets shrinking |
| 2020-03 | 6 | margin squeeze, repo signal, members leaving, loan book shrinking | losing money, charge-offs p90 |
| 2020-06 | 6 |  |  |
| 2020-09 | 8 | net worth falling, losing money, charge-offs p90 | repo signal |
| 2020-12 | 5 |  | delinquency 2x band, net worth falling, losing money |
| 2021-03 | 3 | auto monoline | members leaving, loan book shrinking, charge-offs p90 |
| 2021-06 | 1 |  | margin squeeze, auto monoline |
| 2021-09 | 3 | margin squeeze, delinquency 2x band |  |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 6 | losing money, delinquency 2x band, delinquency rising, loan book shrinking |  |
| 2022-06 | 4 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 7 | delinquency 2x band, charge-offs p90, assets shrinking, leaning on borrowings, auto monoline | margin squeeze, loan book shrinking |
| 2022-12 | 5 | delinquency rising, loans>95% of shares | losing money, delinquency 2x band, charge-offs p90, assets shrinking |
| 2023-03 | 6 | delinquency 2x band, members leaving | delinquency rising |
| 2023-06 | 8 | delinquency rising, assets shrinking |  |
| 2023-09 | 7 |  | assets shrinking |
| 2023-12 | 8 | loan book shrinking |  |
| 2024-03 | 8 | losing money | members leaving |
| 2024-06 | 11 | margin squeeze, charge-offs p90, members leaving |  |
| 2024-09 | 11 | assets shrinking | margin squeeze |
| 2024-12 | 10 |  | delinquency rising |
| 2025-03 | 9 |  | loan book shrinking |
| 2025-06 | 7 |  | auto monoline, members leaving |
| 2025-09 | 6 | members leaving | charge-offs p90, assets shrinking |
| 2025-12 | 7 | auto monoline |  |
| 2026-03 | 6 | delinquency rising | losing money, members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2020-08-26 [Star of Texas Credit Union gets new sheriff - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQ2NPZEF2QUZnWUpKcDNoWXhVRExXMGhKYjZFYU1PeVZ6RVVpUVpMTTMwUTZlQndrOVRtaFpqazk0SkZwa1AzTUZOVnJwc0FDQ2dUaVBnbHJJUVZjWWZLWV9CNVpkMHBKbEVMUmlDTGVrdzV1RW4tTVhvZW1oWlBhLUVTUTIxaWI1cEo1TTFjaHBMOEwxTzJB?oc=5) · American Banker
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2023-07-13 [Destry Marie Richotte Obituary (2023) - Sisseton, SD - Cahill Funeral Chapel - Sisseton - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNRzBBRHBCbTZfQ0M3YWMzUDBna3E2MmRJSUdyRzAtNWNxSlgzb3RjcWJWMzVZR1dJYTNGMjlKa25BbXdWNmZaczM2dUV3d1c0dmRhc21KaHVqcHNST29WcDhwRUtEVUxQa0FEbHJLekQtcGswd0M2MndvcjA0RGJEZ0Y0QlQ?oc=5) · legacy.com
- 2022-10-20 [Meet the 4 candidates, all from Sisseton, running for two District 1 House seats - aberdeennews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPWHprYXNxczhST1NIcFBJVEUxWnlFNUF3ZWk3ZWZRTnp2cVVkelQ5ZWtMSzNVXzhycFlyTFJ4ZW52Z0tNLTl0REVXVHZuOXcwUDI5UjltaFNjQVhQaVlmamFtcE1pWFhjZ2Via20zZXVZNE1Tb2RhX3A5VXNOUnlZb2FzeG5sYVY2cmkxNGlNWnVoZWhva1dubGZ4cm1aLWhCREdVUDVuTG9YeXA0ZXRTTlFTelF2dGpSYzVzWnRCVGhXU1V1UFdpRUhSQWxMNDdpcTRj?oc=5) · aberdeennews.com
- 2023-05-25 [Leadership South Dakota announces 2024 class - SiouxFalls.Business](https://news.google.com/rss/articles/CBMifkFVX3lxTE5XWlBJRUhWSlF5NFEtTUk0RXdzNExXckd3ZEY4R2lZN21URlZoUzVfdnR6Wk9tRzlKVFU2RTJHWVZ4UndscWc4TlVYMU1ySm4zNE1SQ0RlZWR2eXNSdjllOGlHNkdGVU4zUUxiMWtJVGtyRlpXN0stRms5S285UQ?oc=5) · SiouxFalls.Business
- 2024-10-26 [April Dawn Owen Obituary (2024) - Sisseton, SD - Cahill Funeral Chapel - Sisseton - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFB2LVVVVzIyYVo3cHJpc0ZacWVHcXhfNmI0RTBENUhBQzRXNC03MGlTQXpJNWM3c0tDOWgtN0JCZWZueDZHQnZnZFRaX0hSV2Fid25VWUJNbnZlZmd0c01ULUtpNS00WmsxdUxsN1dwRHZLYy03NUc3a3BReEhEZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23309 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "23309", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23309
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide