Federal credit union · Watertown, South Dakota · NCUA charter #8752
Sioux Valley Coop
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $41.2M
- Total assets
- 3,377
- Members
- 19.8%
- Net-worth ratio
Sioux Valley Coop scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.2M; members 3,377; net-worth ratio 19.80%; health rank #2,528 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,528 of 4,374 health · 2025Q4Sioux Valley Coop · health 81/100 · $41.2M · 2025Q4
Call Report peers
Sioux Valley Coop in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sioux Valley Coop vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sioux Valley Coop sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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
Sioux Valley Coop vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 78.44% vs peer 59.80% (+18.64 pp).
- Delinquency Rate trails the peer set - 2.47% here, 1.15% peer average (+1.33 pp).
Where Sioux Valley Coop sits in South Dakota
- South Dakota health ordinal: #24 of 33.
- South Dakota assets place: #20 of 33.
- Member book place in South Dakota: #18 of 33.
- One place up in South Dakota, Dakota Star (#23) scores 83/100, 2 points higher; one place down, AVANTI (#25) ties at 81/100.
Quarter path for Sioux Valley Coop
Sioux Valley Coop: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $41.2M (2025Q4) to $41.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (19.60% → 19.80%).
19.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Sioux Valley Coop gives up 19 points in total. Delinquency Rate costs the most, 15.5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.5 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for Sioux Valley Coop
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.80% | +4.94 pp |
| Delinquency Rate | 2.47% | +1.33 pp |
| Return on Assets | 1.65% | +0.94 pp |
| Member Growth | 1.93% | - |
| Loan-to-Share Ratio | 78.44% | +18.64 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.5M | - |
| 2025Q4 | $41.2M | 3,377 |
| 2024Q4 | $40.6M | 3,313 |
| 2023Q4 | $37.5M | 3,360 |
Credit Union Details
- Charter Number
- 8752
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- South Dakota
- City
- Watertown
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Sioux Valley Coop.
| Office | City |
|---|---|
| Sioux Valley Co-op FCU (Main Office) | Watertown, 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 Sioux Valley Coop
Using this data
- Sioux Valley Coop ranks #2,528 of 4,374 nationally on financial health and #24 of 33 in SD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East River
Frequently Asked Questions
Is Sioux Valley Coop financially healthy?
On its 2025Q4 NCUA 5300 filing, Sioux Valley Coop scores 81/100 (Excellent), with a 19.80% net worth ratio and 2.47% of loans delinquent. It ranks #2,528 of 4,374 nationally on health and #24 of 33 in South Dakota.
How does Sioux Valley Coop compare to other credit unions?
Sioux Valley Coop scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.44% vs 59.80%). Its widest shortfall is delinquency rate (2.47% vs 1.15%).
How can I join Sioux Valley Coop?
Sioux Valley Coop 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 Sioux Valley Coop directly for the exact boundaries and application steps.
Is my money safe at Sioux Valley Coop?
Sioux Valley Coop is a federal credit union; its shares are federally 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 Coop's net worth ratio of 19.80% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.