Sioux Valley Community Credit Union
Total assets
$43.2M
▲ +4.9% YoY
Shares & deposits
$38.3M
▲ +5.0% YoY
Loans
$27.7M
▲ +21.9% YoY
Members
3,779
▲ +5.1% YoY
ROA (annualized)
0.04%
peers 0.60%
ROE (annualized)
0.37%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +5.0% | +0.7% | +4.4 pts |
| Loan growth (YoY) | +21.9% | -2.4% | +24.3 pts |
| ROA | 0.04% | 0.60% | -0.6 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 387, Sioux City, IA, 51102
- NCUA charter #
- 64417
- RSSD ID
- 218690
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.2M | $38.3M | $27.7M | $4.6M | $4K | 0.04% | 3.88% | 2.51% | 3,779 |
| Q4 2025 | $41.7M | $37.0M | $25.3M | $4.6M | $66K | 0.16% | 4.18% | 3.27% | 3,709 |
| Q3 2025 | $40.8M | $36.0M | $24.8M | $4.6M | $67K | 0.22% | 4.20% | 4.85% | 3,676 |
| Q2 2025 | $40.5M | $35.7M | $23.3M | $4.6M | $74K | 0.36% | 4.31% | 3.84% | 3,615 |
| Q1 2025 | $41.2M | $36.5M | $22.7M | $4.5M | $11K | 0.11% | 3.99% | 1.22% | 3,594 |
| Q4 2024 | $39.0M | $34.4M | $23.0M | $4.5M | $259K | 0.66% | 4.03% | 2.20% | 3,573 |
| Q3 2024 | $38.5M | $33.4M | $22.9M | $4.5M | $183K | 0.63% | 3.99% | 0.39% | 3,563 |
| Q2 2024 | $38.5M | $33.9M | $22.7M | $4.4M | $149K | 0.78% | 3.94% | 4.24% | 3,546 |
Loan mix (Q1 2026): real estate $11.3M · commercial $0 · consumer $15.1M · securities $8.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.04% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.5% | 81.5% | 68th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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