Side-by-side · Q2 2026 data
Wakota Federal Credit Union vs West Metro Schools Credit Union
Credit union
Wakota Federal Credit Union
South St Paul, Minnesota · Under $100 million in assets
Credit union
West Metro Schools Credit Union
Hopkins, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Wakota Federal Credit Union | West Metro Schools Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 65 |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 50 (stronger) | 4 |
| Earnings | 67 (stronger) | 54 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 83 | 86 (stronger) |
| Peer percentile | 32nd | 30th |
| Total assets | $44.8M | $43.6M |
| Deposits / shares | $39.4M | $35.7M |
| Capital ratio | 10.95% | 17.85% (stronger) |
| Problem loans | 1.49% (stronger) | 2.87% |
| Net charge-offs | 1.13% | 0.75% (stronger) |
| Return on assets | 1.18% (stronger) | 0.84% |
| Loans ÷ deposits | 69.0% | 54.9% (stronger) |
| Uninsured deposits | 0.8% (stronger) | 1.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wakota Federal Credit Union has the higher TellerScore (66 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Wakota Federal Credit Union leads on 4 and West Metro Schools Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.