SIOUX VALLEY COOP
Charter #8752 · Watertown, SD · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.80% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.42% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.65% sits at the 93rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.40% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 51.45% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 COOP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.54M | 86th pct | 70th pct |
| Members | 3,378 | 83th pct | 66th pct |
| Net worth ratio | 19.80% | 84th pct | 82th pct |
| Return on average assets | 1.42% | 84th pct | 75th pct |
| Net interest margin | 4.04% | 60th pct | 41th pct |
| Cost of funds | 2.65% | 97th pct | 93th pct |
| Loan-to-share | 79.05% | 83th pct | 70th pct |
| Delinquency 60+ days | 2.40% | 89th pct | 90th pct |
| Net charge-off ratio | 0.02% | 38th pct | 38th pct |
| Loan growth YoY | 1.45% | 80th pct | 70th pct |
| Share growth YoY | -2.60% | 10th pct | 15th pct |
| Efficiency ratio | 51.45% | 4th pct | 3th pct |
structural peer set hash: 4487850bf88b9cd5c8b84a3cbef332c6… (reproducible)
Closest structural peers
This is the free public view
Claim SIOUX VALLEY COOP
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.