Federal credit union · SISSETON, South Dakota · NCUA charter #6992
Coteau Valley
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $17.7M
- Total assets
- 2,189
- Members
- 9.7%
- Net-worth ratio
Coteau Valley scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.7M; members 2,189; net-worth ratio 9.73%; health rank #686 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#686 of 4,374 health · 2025Q4Coteau Valley · health 93/100 · $17.7M · 2025Q4
- ASSETS 93/100
- MEM 9.7%
- RANK 0.42%
- PHOTO 0.64%
- BOOK $17.7M
- CHARTER 2,189
- NCUSIF #686/4,374
- CAMELS Ila 1351
- HEALTH 6992
Call Report peers
Coteau Valley in the assets neighbourhood
Coteau Valley's $17.7M assets sit next to Ila 1351 ($17.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Coteau Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Coteau Valley - Share Insurance Coverage
Charter #6992's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Coteau Valley
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +1.78 pp (61.58% vs 59.80%).
- Net Worth Ratio trails the peer set - 9.73% here, 14.86% peer average (-5.13 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
South Dakota standing for Coteau Valley
- In South Dakota, health place is #8 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #27 of 33 inside South Dakota ($17.7M reported).
- South Dakota membership ordinal: #23 of 33.
In-state ordinals use the live credit_unions table for SD only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Coteau Valley's 5300 filing moved
Coteau Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.8% from $17.7M (2025Q4) to $18.9M (2026Q1).
- Net-worth ratio shifted -0.57 pp (10.30% → 9.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.73%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for Coteau Valley
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.73% | -5.13 pp |
| Delinquency Rate | 0.42% | -0.72 pp |
| Return on Assets | 0.64% | -0.07 pp |
| Member Growth | 1.53% | - |
| Loan-to-Share Ratio | 61.58% | +1.78 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.9M | - |
| 2025Q4 | $17.7M | 2,189 |
| 2024Q4 | $17.6M | 2,156 |
| 2023Q4 | $17.0M | 2,063 |
Credit Union Details
- Charter Number
- 6992
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- SISSETON
- Data Quarter
- 2025Q4
Branch Locations (2)
Coteau Valley operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Coteau Valley Federal Credit Union (Main Office) | Sisseton, SD |
| Sisseton Wahpeton FCU | Agency Village, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Dakota
A look at other South Dakota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Coteau Valley
Coteau Valley's nationwide photo peers by assets and by health score, excluding South Dakota charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Coteau Valley ranks #686 of 4,374 nationally on financial health and #8 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Huron Area Education is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Huron Area Education
- Rates and health both vary by institution, not just by state -- see how South Dakota credit unions compare overall before assuming this one is typical. South Dakota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Coteau Valley financially healthy?
A 9.73% net worth ratio and a 0.42% delinquency rate feed into Coteau Valley's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #686 of 4,374; by total assets it ranks #3,223 of 4,374 nationally (same basis as /rankings/largest); and #27 of 33 within South Dakota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Coteau Valley compare to other credit unions?
93/100 is Coteau Valley's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Coteau Valley?
Coteau Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Coteau Valley directly for the exact boundaries and application steps.
Is my money safe at Coteau Valley?
Federal credit unions like Coteau Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Coteau Valley's net worth ratio of 9.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Coteau Valley offer compared to banks?
Credit unions like Coteau Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Coteau Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.