BlastPoint's Credit Union Scorecard
SIOUX VALLEY COMMUNITY
Charter #64417 · IA
SIOUX VALLEY COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.28% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 7.83% above tier (higher cost structure)
- - Delinquency rate 3.34% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,676
+3.2% YoY+1.7% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$40.8M
+5.8% YoY+0.6% QoQ
|
+$10.9M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$24.8M
+8.4% YoY+6.4% QoQ
|
+$9.1M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$36.0M
+7.7% YoY+0.7% QoQ
|
+$10.5M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
0.2%
-65.3% YoY-39.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
4.2%
+5.6% YoY-1.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
89.2%
+9.0% YoY+3.0% QoQ
|
+7.8% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
4.9%
+1151.4% YoY+26.3% QoQ
|
+3.3 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Top 6.4% in tier |
| Loan To Share |
69.0%
+0.7% YoY+5.7% QoQ
|
+7.8% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$16,535
+4.7% YoY+1.2% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
65% |
| CD Concentration |
21.7%
+5.5% YoY+12.9% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)