BlastPoint's Credit Union Scorecard
SIOUX VALLEY COOP
Charter #8752 · SD
SIOUX VALLEY COOP has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Efficiency Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.92% above tier average
- - Share Certificate Concentration (%): Bottom 3.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,377
+1.9% YoY-0.1% QoQ
|
+761 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$41.2M
+1.5% YoY-2.9% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$25.5M
+1.8% YoY-0.4% QoQ
|
+$9.7M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$32.5M
+0.3% YoY-3.6% QoQ
|
+$6.8M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
1.6%
-7.1% YoY+15.4% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 14.5% in tier |
| NIM |
4.0%
+4.6% YoY+1.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
49.2%
+1.4% YoY+3.3% QoQ
|
-33.3% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Top 4.1% in tier |
| Delinquency Rate |
2.5%
-8.8% YoY-22.9% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
78.4%
+1.5% YoY+3.4% QoQ
|
+17.8% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$17,164
-1.0% YoY-2.2% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
51.6%
-11.5% YoY-6.8% QoQ
|
+27.1% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)