BlastPoint's Credit Union Scorecard

SIOUX VALLEY COOP

Charter #8752 · SD

<100M

2508 CUs in <100M nationally 21 in SD

SIOUX VALLEY COOP has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.27% above tier average
+ Efficiency Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.90% above tier average
- Share Certificate Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	3,378 +1.8% YoY+0.0% QoQ	+701	2,676 +1.6% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	73%
Assets	$41.5M +1.1% YoY+0.8% QoQ	+$11.3M	$30.2M +1.3% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	70%
Loans	$26.0M +0.2% YoY+1.9% QoQ	+$10.7M	$15.3M -2.0% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	79%
Deposits	$32.8M -0.1% YoY+1.1% QoQ	+$7.1M	$25.8M +0.7% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +57.3% YoY-9.7% QoQ	+1.3%	0.1% -77.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	83%
NIM	4.0% +1.4% YoY+0.7% QoQ	+0.0%	4.0% +4.0% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	51.4% +6.0% YoY+4.5% QoQ	-39.2%	90.6% +6.5% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	Top 5.5% in tier
Delinquency Rate	2.4% +1.0% YoY-3.0% QoQ	+0.9	1.5% +3.8% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	85%
Loan To Share	79.0% +0.4% YoY+0.8% QoQ	+20.5%	58.5% -3.0% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	81%
AMR	$17,403 -1.7% YoY+1.4% QoQ	+$3K	$14,884 -1.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	67%
CD Concentration	47.9% -18.1% YoY-7.1% QoQ	+23.6%	24.3%	28.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

140

Efficiency Ratio

profitability

Value: 51.45%

Peer Median: 81.45%

#140 of 2508 Top 5.5% in <100M tier

431

Return on Assets (ROA)

profitability

Value: 1.41%

Peer Median: 0.61%

#431 of 2508 Top 17.1% in <100M tier

456

Member Growth Rate

growth

Value: 1.78%

Peer Median: -1.37%

#456 of 2508 Top 18.1% in <100M tier

484

Loan-to-Share Ratio

balance_sheet

Value: 79.05%

Peer Median: 58.72%

#484 of 2508 Top 19.3% in <100M tier

494

Loan-to-Member Ratio (LMR)

engagement

Value: $7,683

Peer Median: $4,923

#494 of 2508 Top 19.7% in <100M tier

533

Total Loans

balance_sheet

Value: $25.95M

Peer Median: $9.48M

#533 of 2508 Top 21.2% in <100M tier

568

Net Worth Ratio

risk

Value: 19.80%

Peer Median: 14.28%

#568 of 2508 Top 22.6% in <100M tier

Top Weaknesses (2 metrics)

2397

Share Certificate Concentration (%)

balance_sheet

Value: 47.89%

Peer Median: 12.45%

#2397 of 2508 Bottom 4.5% in <100M tier

2131

Total Delinquency Rate (60+ days)

risk

Value: 2.40%

Peer Median: 0.65%

#2131 of 2508 Bottom 15.1% in <100M tier