SIOUXLAND
Charter #24327 | NE
100M-500M
(1077 CUs)
Micro
($0-$500M)
12 100M-500M in NE
SIOUXLAND has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.6% in tier
- + Relationship Depth Leader: Top 19.2% in tier
- + ROA 0.18% above tier average
- + Total Members: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 9.2% in tier
- - Indirect Auto Dependency: Bottom 13.9% in tier
- - Credit Quality Pressure: Bottom 16.9% in tier
- - Liquidity Overhang: Bottom 33.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
27,441
-0.5% YoY-0.8% QoQ
|
+11.8K |
15,628
-3.4% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
Top 9.9% in tier |
| Assets |
$329.7M
+3.9% YoY+1.9% QoQ
|
+$98.4M |
$231.3M
-0.0% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Top 22.3% in tier |
| Loans |
$245.0M
+9.9% YoY+1.6% QoQ
|
+$97.2M |
$147.8M
-1.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
Top 14.9% in tier |
| Deposits |
$286.5M
+3.3% YoY+1.7% QoQ
|
+$86.2M |
$200.3M
-0.0% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 21.1% in tier |
| ROA |
1.0%
-6.8% YoY+3.5% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
64th in tier |
| NIM |
3.6%
+12.3% YoY+0.6% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
49th in tier |
| Efficiency Ratio |
74.9%
-1.7% YoY-0.2% QoQ
|
-2.4% |
77.3%
-3.0% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.7%
+29.3% YoY+37.2% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
49th in tier |
| Loan To Share |
85.5%
+6.4% YoY-0.1% QoQ
|
+12.8% |
72.7%
-1.5% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 24.1% in tier |
| AMR |
$19,367
+6.8% YoY+2.5% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
31st in tier |
| CD Concentration |
28.1%
-4.0% YoY+10.0% QoQ
|
+3.7% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
29.3%
-1.3% YoY-4.4% QoQ
|
+15.3% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#294 of 1006 • Top 10.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.76%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#529 of 1006 • Top 19.2% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.76%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (4)
Growth-at-Risk
risk
#139 of 446 • Bottom 9.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.87%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#224 of 525 • Bottom 13.9% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
3.89%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
29.26%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-0.50%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#418 of 736 • Bottom 16.9% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.15% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#514 of 552 • Bottom 33.2% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.36%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
85.51%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
New qualifier
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
107
Total Members
engagement
Value:
27,441
Peer Avg: 15,628
#107 of 1077
Top 9.8% in 100M-500M tier
161
Total Loans
balance_sheet
Value:
$244.97M
Peer Avg: $147.80M
#161 of 1077
Top 14.9% in 100M-500M tier
169
Loan Growth Rate
growth
Value:
9.87%
Peer Avg: 3.45%
#169 of 1077
Top 15.6% in 100M-500M tier
227
Total Deposits
balance_sheet
Value:
$286.49M
Peer Avg: $200.29M
#227 of 1077
Top 21.0% in 100M-500M tier
233
AMR Growth Rate
growth
Value:
6.76%
Peer Avg: 3.64%
#233 of 1077
Top 21.5% in 100M-500M tier
240
Total Assets
balance_sheet
Value:
$329.67M
Peer Avg: $231.30M
#240 of 1077
Top 22.2% in 100M-500M tier
260
Net Charge-Off Rate
risk
Value:
0.16%
Peer Avg: 0.47%
#260 of 1077
Top 24.0% in 100M-500M tier
260
Loan-to-Share Ratio
balance_sheet
Value:
85.51%
Peer Avg: 72.70%
#260 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (2 metrics)
890
Indirect Auto Concentration (%)
balance_sheet
Value:
29.26%
Peer Avg: 13.34%
#890 of 1077
Bottom 17.5% in 100M-500M tier
867
First Mortgage Concentration (%)
balance_sheet
Value:
45.71%
Peer Avg: 30.43%
#867 of 1077
Bottom 19.6% in 100M-500M tier