BlastPoint's Credit Union Scorecard
SIOUX VALLEY COOP
Charter #8752 ยท SD
2596 CUs in <100M nationally
21 in SD
SIOUX VALLEY COOP has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.70% above tier average
- - Share Certificate Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,379
+1.5% YoY+0.4% QoQ
|
+753 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$42.4M
+6.0% YoY+1.4% QoQ
|
+$12.6M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$25.6M
+2.4% YoY+1.0% QoQ
|
+$9.8M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$33.7M
+5.6% YoY+1.0% QoQ
|
+$8.3M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
69% |
| ROA |
1.4%
-13.8% YoY-8.3% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
3.9%
+6.2% YoY-1.0% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
47.6%
-7.9% YoY-1.3% QoQ
|
-33.8% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.2% in tier |
| Delinquency Rate |
3.2%
+88.3% YoY+12.8% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
Top 11.0% in tier |
| Loan To Share |
75.9%
-3.0% YoY-0.1% QoQ
|
+14.7% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$17,548
+2.7% YoY+0.6% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
55.3%
-2.4% YoY-3.6% QoQ
|
+30.9% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
135
Efficiency Ratio
profitability
Value:
47.64%
Peer Avg: 81.39%
#135 of 2596
Top 5.2% in <100M tier
435
Members Per Employee (MPE)
engagement
Value:
482.714
Peer Avg: 365.701
#435 of 2596
Top 16.7% in <100M tier
515
Member Growth Rate
growth
Value:
1.50%
Peer Avg: 14.92%
#515 of 2596
Top 19.8% in <100M tier
526
Asset Growth Rate
growth
Value:
6.05%
Peer Avg: 1.82%
#526 of 2596
Top 20.2% in <100M tier
549
Deposit Growth Rate
growth
Value:
5.64%
Peer Avg: 16.80%
#549 of 2596
Top 21.1% in <100M tier
550
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,571
Peer Avg: $5,488
#550 of 2596
Top 21.1% in <100M tier
584
Total Loans
balance_sheet
Value:
$25.58M
Peer Avg: $15.77M
#584 of 2596
Top 22.5% in <100M tier
630
Return on Assets (ROA)
profitability
Value:
1.36%
Peer Avg: 0.68%
#630 of 2596
Top 24.2% in <100M tier
Top Weaknesses (3 metrics)
2541
Share Certificate Concentration (%)
balance_sheet
Value:
55.31%
Peer Avg: 15.37%
#2541 of 2596
Bottom 2.2% in <100M tier
2312
Total Delinquency Rate (60+ days)
risk
Value:
3.21%
Peer Avg: 1.51%
#2312 of 2596
Bottom 11.0% in <100M tier
2280
Net Charge-Off Rate
risk
Value:
1.13%
Peer Avg: 0.57%
#2280 of 2596
Bottom 12.2% in <100M tier