Sisseton-Wahpeton Federal Credit Union (NCUA charter #23309) is based in Agency Village, South Dakota. Its Q2 2026 call report shows $4.9M in total assets and $2.3M in member shares and deposits and 3 offices.
Sisseton-Wahpeton Federal Credit Union has a TellerScore of 47 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 31st. Capital cushion contributes the most (100/100, 41.30%); loan quality contributes the least (0/100, 3.84%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (59 → 47), mostly because the loan quality component weakened by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 46 |
| Q4 2024 | 56 |
| Q1 2025 | 61 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 48 |
| Q1 2026 | 71 |
| Q2 2026 | 47 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 42.24% |
| Q3 2024 | 43.71% |
| Q4 2024 | 45.61% |
| Q1 2025 | 39.80% |
| Q2 2025 | 41.55% |
| Q3 2025 | 37.73% |
| Q4 2025 | 38.26% |
| Q1 2026 | 40.72% |
| Q2 2026 | 41.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 7.12% |
| Q3 2024 | 7.85% |
| Q4 2024 | 1.93% |
| Q1 2025 | 1.36% |
| Q2 2025 | 1.55% |
| Q3 2025 | 1.48% |
| Q4 2025 | 2.80% |
| Q1 2026 | 2.49% |
| Q2 2026 | 3.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.26% |
| Q3 2024 | -3.00% |
| Q4 2024 | -3.83% |
| Q1 2025 | -25.99% |
| Q2 2025 | -4.16% |
| Q3 2025 | -3.88% |
| Q4 2025 | -3.43% |
| Q1 2026 | 5.14% |
| Q2 2026 | -0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 47 | $4.9M | 41.30% | 3.84% | -0.37% | 129.4% |
| Q1 2026 | 71 | $5.1M | 40.72% | 2.49% | 5.14% | 120.8% |
| Q4 2025 | 48 | $5.0M | 38.26% | 2.80% | -3.43% | 125.4% |
| Q3 2025 | 60 | $5.3M | 37.73% | 1.48% | -3.88% | 132.4% |
| Q2 2025 | 59 | $4.9M | 41.55% | 1.55% | -4.16% | 129.5% |
| Q1 2025 | 61 | $4.7M | 39.80% | 1.36% | -25.99% | 107.8% |
| Q4 2024 | 56 | $4.8M | 45.61% | 1.93% | -3.83% | 109.9% |
| Q3 2024 | 46 | $5.2M | 43.71% | 7.85% | -3.00% | 118.5% |
| Q2 2024 | 46 | $5.5M | 42.24% | 7.12% | -2.26% | 123.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hb Telco Federal Credit UnionCredit union Huron, SD | 57 out of 100, Moderate | $4.9M | 8.6% | 0.00% | vs |
| Dakota Rail Line Federal Credit UnionCredit union Huron, SD | 84 out of 100, Strong | $5.1M | 17.4% | 1.17% | vs |
| Dacotah Federal Credit UnionCredit union Rapid City, SD | 70 out of 100, Strong | $11.1M | 10.1% | 0.00% | vs |
| Minuteman Federal Credit UnionCredit union Rapid City, SD | 56 out of 100, Moderate | $15.2M | 14.3% | 3.05% | vs |
| Palace City Federal Credit UnionCredit union Mitchell, SD | 72 out of 100, Strong | $16.5M | 9.9% | 0.01% | vs |
| Huron Area Education Federal Credit UnionCredit union Huron, SD | 87 out of 100, Very strong | $18.8M | 12.4% | 0.00% | vs |
Deposit insurance
Is my money safe at Sisseton-Wahpeton Federal Credit Union?
Yes. Sisseton-Wahpeton Federal Credit Union is a federally insured credit union (NCUA charter #23309). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 10.4% of shares and deposits ($237K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 41.30%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Sisseton-Wahpeton Federal Credit Union lists 3 offices in 3 cities. Most locations:
- Agency Village, SD (1)
- Sisseton, SD (1)
- Yankton, SD (1)
Identity & history
Profile
- Legal name
- Sisseton-Wahpeton Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 23309
- RSSD ID
- 611684
- Primary regulator
- NCUA
- Established
- 1979
- Headquarters
- P.O. Box 627, Agency Village, SD 57262
- Employees
- 6
Quick answers
Sisseton-Wahpeton Federal Credit Union: common questions
Is Sisseton-Wahpeton Federal Credit Union NCUA insured?
Yes. Sisseton-Wahpeton Federal Credit Union is a federally insured credit union (NCUA charter #23309). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sisseton-Wahpeton Federal Credit Union's TellerScore?
47 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sisseton-Wahpeton Federal Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Agency Village
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Independent BankBank Russell, MN | 76 out of 100, Strong | $632.3M | 9.9% | 0.14% | vs |
| Minnwest BankBank Redwood Falls, MN | 68 out of 100, Moderate | $2.9B | 10.8% | 0.56% | vs |
| Great Plains BankBank Eureka, SD | 65 out of 100, Moderate | $150.4M | 17.7% | 3.49% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |