State credit union · SIOUX CITY, Iowa · NCUA charter #64417
Sioux Valley Community
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $41.7M
- Total assets
- 3,709
- Members
- 8.4%
- Net-worth ratio
Sioux Valley Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64417 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Sioux Valley Community - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)86
- Asset quality (delinquency)18
- Earnings (ROA)100
- Member growth90
- Liquidity (loan-to-share)97
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.38% | 30% |
| Delinquency Rate | 3.27% | 25% |
| Return on Assets | 0.62% | 15% |
| Member Growth | 3.81% | 15% |
| Loan-to-Share Ratio | 68.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $41.7M | 3,709 |
| 2024Q4 | $39.0M | 3,573 |
| 2023Q4 | $37.0M | 3,535 |
Credit Union Details
- Charter Number
- 64417
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- SIOUX CITY
- Data Quarter
- 2025Q4
What This Data Says About Sioux Valley Community
Sioux Valley Community is a state credit union headquartered in SIOUX CITY, Iowa, serving 3,709 members with $41.7M in total assets and $25.3M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 74/100 (Very Good), anchored by a net worth ratio of 8.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #64417 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 3.27% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 68.28% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.62% on net income of $259K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.81%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sioux Valley Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Sioux Valley Community carries a financial health score of 74/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.38% net worth ratio and a 3.27% delinquency rate.
How does Sioux Valley Community compare to other credit unions?
Sioux Valley Community scores 74/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Sioux Valley Community?
Membership eligibility for Sioux Valley Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sioux Valley Community directly for current membership requirements and application steps.
Is my money safe at Sioux Valley Community?
Federal credit unions like Sioux Valley Community 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. Sioux Valley Community's net worth ratio of 8.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sioux Valley Community offer compared to banks?
Credit unions like Sioux Valley Community 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 Sioux Valley Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.