Sioux Valley Coop

Watertown, SD · 1 · Charter #8752 · www.svcfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$41.2M
91th percentile
Members
3,377
89th percentile
Total loans
$25.5M
95th percentile
Total shares
$32.5M
88th percentile

Profitability

Return on assets
2.16%
93th percentile
Net interest margin
4.06%
53th percentile
Efficiency ratio
31.21%
97th percentile
Non-interest income ratio
2.83%
23th percentile

Capital & Risk

Net worth ratio
19.60%
72th percentile
Delinquency rate
2.47%
20th percentile
Net charge-off rate
0.83%
21th percentile
Loan-to-share
78.44%
74th percentile

Growth

Member growth YoY
1.93%
83th percentile
Asset growth YoY
1.48%
52th percentile
Loan growth YoY
1.77%
69th percentile
Share growth YoY
0.25%
48th percentile

Operations

Members / branch
3,377
94th percentile
Assets / member
$12,200
72th percentile
Field of membership penetration
37.11%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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