TellerScore

Headquartered in Sioux City, Iowa, Sioux Valley Community Credit Union is a federally insured state-chartered credit union with $43.6M in total assets and $38.8M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1952.

Based on its Q2 2026 filing, Sioux Valley Community Credit Union scores 43/100, which we describe as below average. That is higher than only 4% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 63rd. Its strongest component is funding & liquidity (87/100; 74% loans-to-deposits, 8% uninsured), and its lowest is loan quality (12/100; 2.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.44%
Loan quality12/100
Loans 60+ days delinquent ÷ total loans: 2.65%
Earnings19/100
Return on assets (annualized): -0.02%
Funding & liquidity87/100
Loans ÷ shares: 73.6% · 7.6% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.64%

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 3 points (46 → 43), mostly because the earnings component weakened by 16 points.

TellerScore
435974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202474
Q4 202458
Q1 202561
Q2 202546
Q3 202543
Q4 202543
Q1 202645
Q2 202643
Net worth ratio
7.00%9.29%11.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.51%
Q3 202411.59%
Q4 202411.55%
Q1 202510.97%
Q2 202511.31%
Q3 202511.23%
Q4 202510.92%
Q1 202610.55%
Q2 202610.44%
Delinquent loans (60+ days)
0.39%2.62%4.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20244.24%
Q3 20240.39%
Q4 20242.20%
Q1 20251.22%
Q2 20253.84%
Q3 20254.85%
Q4 20253.27%
Q1 20262.51%
Q2 20262.65%
Return on assets
-0.02%0.38%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.63%
Q4 20240.66%
Q1 20250.11%
Q2 20250.36%
Q3 20250.22%
Q4 20250.16%
Q1 20260.04%
Q2 2026-0.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202643$43.6M10.44%2.65%-0.02%73.6%
Q1 202645$43.2M10.55%2.51%0.04%72.2%
Q4 202543$41.7M10.92%3.27%0.16%68.3%
Q3 202543$40.8M11.23%4.85%0.22%69.0%
Q2 202546$40.5M11.31%3.84%0.36%65.3%
Q1 202561$41.2M10.97%1.22%0.11%62.2%
Q4 202458$39.0M11.55%2.20%0.66%66.7%
Q3 202474$38.5M11.59%0.39%0.63%68.6%
Q2 202449$38.5M11.51%4.24%0.78%66.8%

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).

Capital ratio10.44%
20th
Problem loans2.65%
15th
Net charge-offs0.10%
57th
Return on assets-0.02%
19th
Loans to deposits73.6%
28th
Uninsured deposits7.6%
11th
Loan-loss reserves0.00%
37th
Texas ratio16.6%
6th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Fort Dodge Family Credit UnionCredit union Fort Dodge, IA63 out of 100, Moderate$41.5M12.9%1.86%vs
Capitol View Credit UnionCredit union Des Moines, IA82 out of 100, Strong$46.1M18.7%0.41%vs
Holy Ghost Parish Credit UnionCredit union Dubuque, IA71 out of 100, Strong$34.9M9.8%0.00%vs
Meridian Credit UnionCredit union Ottumwa, IA91 out of 100, Very strong$34.4M16.7%0.14%vs
5 Star Community Credit UnionCredit union Mount Pleasant, IA58 out of 100, Moderate$54.5M8.3%0.79%vs
River Community Credit UnionCredit union Ottumwa, IA92 out of 100, Very strong$30.4M15.8%0.06%vs

Deposit insurance

Is my money safe at Sioux Valley Community Credit Union?

Yes. Sioux Valley Community Credit Union is a federally insured credit union (NCUA charter #64417). 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 7.6% of shares and deposits ($2.9M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Sioux Valley Community Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sioux Valley Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64417
RSSD ID
218690
Primary regulator
State + NCUA
Established
1952
Headquarters
Po Box 387, Sioux City, IA 51102
Employees
17

Quick answers

Sioux Valley Community Credit Union: common questions

Is Sioux Valley Community Credit Union NCUA insured?

Yes. Sioux Valley Community Credit Union is a federally insured credit union (NCUA charter #64417). 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 Sioux Valley Community Credit Union's TellerScore?

43 out of 100 (Below average), 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 Sioux Valley Community Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux City

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Siouxland BankBank South Sioux City, NE88 out of 100, Very strong$88.3M12.4%0.00%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs