SIOUX VALLEY COMMUNITY
Charter #64417 · SIOUX CITY, IA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.04% sits at the 13th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.51% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.02% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.51% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 54th — a 35-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SIOUX VALLEY COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.24M | 89th pct | 54th pct |
| Members | 3,779 | 88th pct | 54th pct |
| Net worth ratio | 10.55% | 22th pct | 28th pct |
| Return on average assets | 0.04% | 20th pct | 13th pct |
| Net interest margin | 3.95% | 56th pct | 36th pct |
| Cost of funds | 0.91% | 54th pct | 46th pct |
| Loan-to-share | 72.18% | 73th pct | 51th pct |
| Delinquency 60+ days | 2.51% | 90th pct | 90th pct |
| Net charge-off ratio | 0.02% | 38th pct | 20th pct |
| Loan growth YoY | 11.50% | 99th pct | 97th pct |
| Share growth YoY | 6.64% | 85th pct | 72th pct |
| Efficiency ratio | 89.51% | 72th pct | 79th pct |
structural peer set hash: 1c807a129dce4b143dc062fff6fcfe4b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.