Headquartered in Sisseton, South Dakota, Coteau Valley Federal Credit Union is a federal credit union with $18.8M in total assets and $17.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1950.
Based on its Q2 2026 filing, Coteau Valley Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 16% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 28th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 0% uninsured), and its lowest is loan quality (34/100; 1.98%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 15 points (71 → 56), mostly because the loan quality component weakened by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 58 |
| Q1 2025 | 64 |
| Q2 2025 | 71 |
| Q3 2025 | 69 |
| Q4 2025 | 74 |
| Q1 2026 | 67 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.39% |
| Q3 2024 | 9.79% |
| Q4 2024 | 9.25% |
| Q1 2025 | 9.08% |
| Q2 2025 | 9.29% |
| Q3 2025 | 9.54% |
| Q4 2025 | 10.30% |
| Q1 2026 | 9.73% |
| Q2 2026 | 9.99% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.85% |
| Q3 2024 | 0.92% |
| Q4 2024 | 1.41% |
| Q1 2025 | 0.81% |
| Q2 2025 | 0.25% |
| Q3 2025 | 0.62% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.44% |
| Q2 2026 | 1.98% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.08% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.67% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $18.8M | 9.99% | 1.98% | 0.67% | 58.1% |
| Q1 2026 | 67 | $18.9M | 9.73% | 0.44% | 0.44% | 58.4% |
| Q4 2025 | 74 | $17.7M | 10.30% | 0.42% | 1.08% | 61.6% |
| Q3 2025 | 69 | $18.4M | 9.54% | 0.62% | 0.93% | 58.4% |
| Q2 2025 | 71 | $18.4M | 9.29% | 0.25% | 0.91% | 59.1% |
| Q1 2025 | 64 | $18.3M | 9.08% | 0.81% | 0.64% | 59.5% |
| Q4 2024 | 58 | $17.6M | 9.25% | 1.41% | 0.64% | 62.5% |
| Q3 2024 | 63 | $16.3M | 9.79% | 0.92% | 0.61% | 68.5% |
| Q2 2024 | 63 | $16.6M | 9.39% | 0.85% | 0.52% | 64.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in South Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Huron Area Education Federal Credit UnionCredit union Huron, SD | 87 out of 100, Very strong | $18.8M | 12.4% | 0.00% | vs |
| Lakota Federal Credit UnionCredit union Kyle, SD | 87 out of 100, Very strong | $19.7M | 22.1% | 1.46% | vs |
| Palace City Federal Credit UnionCredit union Mitchell, SD | 72 out of 100, Strong | $16.5M | 9.9% | 0.01% | vs |
| Consumer'S Federal Credit UnionCredit union Gregory, SD | 74 out of 100, Strong | $21.4M | 9.7% | 0.14% | vs |
| Minuteman Federal Credit UnionCredit union Rapid City, SD | 56 out of 100, Moderate | $15.2M | 14.3% | 3.05% | vs |
| Dacotah Federal Credit UnionCredit union Rapid City, SD | 70 out of 100, Strong | $11.1M | 10.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Coteau Valley Federal Credit Union?
Yes. Coteau Valley Federal Credit Union is a federally insured credit union (NCUA charter #6992). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.99%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Coteau Valley Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Agency Village, SD (1)
- Sisseton, SD (1)
Identity & history
Profile
- Legal name
- Coteau Valley Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6992
- RSSD ID
- 243683
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- 212 West Hickory, Sisseton, SD 57262
- Employees
- 5
Quick answers
Coteau Valley Federal Credit Union: common questions
Is Coteau Valley Federal Credit Union NCUA insured?
Yes. Coteau Valley Federal Credit Union is a federally insured credit union (NCUA charter #6992). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Coteau Valley Federal Credit Union's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Coteau Valley Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sisseton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Savings BankBank Beresford, SD | 83 out of 100, Strong | $1.6B | 19.3% | 0.90% | vs |
| First Independent BankBank Russell, MN | 76 out of 100, Strong | $632.3M | 9.9% | 0.14% | vs |
| Minnwest BankBank Redwood Falls, MN | 68 out of 100, Moderate | $2.9B | 10.8% | 0.56% | vs |
| Great Plains BankBank Eureka, SD | 65 out of 100, Moderate | $150.4M | 17.7% | 3.49% | vs |
| First Interstate BankBank Billings, MT | 62 out of 100, Moderate | $25.8B | 9.4% | 1.12% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |