Side-by-side · Q2 2026 data
M O Federal Credit Union vs Sioux Valley Coop Federal Credit Union
Credit union
Sioux Valley Coop Federal Credit Union
Watertown, South Dakota · Under $100 million in assets
Metric by metric
| Measure | M O Federal Credit Union | Sioux Valley Coop Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 83 |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 90 (stronger) | 63 |
| Earnings | 67 | 85 (stronger) |
| Funding & liquidity | 98 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 85th | 72nd |
| Total assets | $40.9M | $40.7M |
| Deposits / shares | $34.8M | $31.9M |
| Capital ratio | 14.12% | 20.64% (stronger) |
| Problem loans | 0.30% (stronger) | 1.10% |
| Net charge-offs | 0.41% | 0.40% (stronger) |
| Return on assets | 1.17% | 1.63% (stronger) |
| Loans ÷ deposits | 62.5% (stronger) | 85.0% |
| Uninsured deposits | 1.3% (stronger) | 1.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
M O Federal Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), M O Federal Credit Union leads on 4 and Sioux Valley Coop Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.