Sioux Valley Coop Federal Credit Union is a federal credit union headquartered in Watertown, South Dakota, in business for about 73 years. At the end of Q2 2026 it reported $40.7M in total assets and $31.9M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Sioux Valley Coop Federal Credit Union scores 83/100, which we describe as strong. That is higher than 72% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in South Dakota, it ranks 8th. Its strongest component is capital cushion (100/100; 20.64%), and its lowest is loan quality (63/100; 1.10%).
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 rose 15 points (68 → 83), mostly because the loan quality component improved by 58 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 78 |
| Q4 2024 | 71 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 65 |
| Q4 2025 | 72 |
| Q1 2026 | 71 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 17.92% |
| Q3 2024 | 17.87% |
| Q4 2024 | 18.30% |
| Q1 2025 | 18.30% |
| Q2 2025 | 18.49% |
| Q3 2025 | 18.53% |
| Q4 2025 | 19.60% |
| Q1 2026 | 19.80% |
| Q2 2026 | 20.64% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.35% |
| Q3 2024 | 1.70% |
| Q4 2024 | 2.71% |
| Q1 2025 | 2.38% |
| Q2 2025 | 2.84% |
| Q3 2025 | 3.21% |
| Q4 2025 | 2.47% |
| Q1 2026 | 2.40% |
| Q2 2026 | 1.10% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.55% |
| Q4 2024 | 1.67% |
| Q1 2025 | 0.89% |
| Q2 2025 | 1.47% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.63% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $40.7M | 20.64% | 1.10% | 1.63% | 85.0% |
| Q1 2026 | 71 | $41.5M | 19.80% | 2.40% | 1.41% | 79.0% |
| Q4 2025 | 72 | $41.2M | 19.60% | 2.47% | 1.59% | 78.4% |
| Q3 2025 | 65 | $42.4M | 18.53% | 3.21% | 1.35% | 75.9% |
| Q2 2025 | 68 | $41.8M | 18.49% | 2.84% | 1.47% | 75.9% |
| Q1 2025 | 67 | $41.1M | 18.30% | 2.38% | 0.89% | 78.8% |
| Q4 2024 | 71 | $40.6M | 18.30% | 2.71% | 1.67% | 77.3% |
| Q3 2024 | 78 | $40.0M | 17.87% | 1.70% | 1.55% | 78.3% |
| Q2 2024 | 70 | $38.7M | 17.92% | 2.35% | 1.33% | 80.9% |
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 |
|---|---|---|---|---|---|
| M O Federal Credit UnionCredit union Huron, SD | 88 out of 100, Very strong | $40.9M | 14.1% | 0.30% | vs |
| East River Federal Credit UnionCredit union Madison, SD | 71 out of 100, Strong | $41.9M | 11.1% | 1.19% | vs |
| Ft Randall Federal Credit UnionCredit union Wagner, SD | 81 out of 100, Strong | $44.2M | 17.5% | 1.12% | vs |
| Dakota Star Federal Credit UnionCredit union Rapid City, SD | 64 out of 100, Moderate | $44.9M | 9.0% | 0.93% | vs |
| Oahe Federal Credit UnionCredit union Pierre, SD | 87 out of 100, Very strong | $45.1M | 16.2% | 1.03% | vs |
| Avanti Federal Credit UnionCredit union Watertown, SD | 51 out of 100, Below average | $31.8M | 11.3% | 4.00% | vs |
Deposit insurance
Is my money safe at Sioux Valley Coop Federal Credit Union?
Yes. Sioux Valley Coop Federal Credit Union is a federally insured credit union (NCUA charter #8752). 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 1.8% of shares and deposits ($558K) 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 20.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Sioux Valley Coop Federal Credit Union lists 1 office in 1 city. Most locations:
- Watertown, SD (1)
Identity & history
Profile
- Legal name
- Sioux Valley Coop Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8752
- RSSD ID
- 385985
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- PO Box 344, Watertown, SD 57201
- Employees
- 7
Quick answers
Sioux Valley Coop Federal Credit Union: common questions
Is Sioux Valley Coop Federal Credit Union NCUA insured?
Yes. Sioux Valley Coop Federal Credit Union is a federally insured credit union (NCUA charter #8752). 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 Coop Federal Credit Union's TellerScore?
83 out of 100 (Strong), 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 Coop Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Watertown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First PREMIER BankBank Sioux Falls, SD | 85 out of 100, Very strong | $3.6B | 13.7% | 0.10% | vs |
| Citizens State Bank, of ArlingtonBank Arlington, SD | 82 out of 100, Strong | $153.2M | 11.7% | 0.00% | vs |
| American Bank & TrustBank Sioux Falls, SD | 72 out of 100, Strong | $2.2B | 11.3% | 0.57% | vs |
| Reliabank DakotaBank Estelline, SD | 71 out of 100, Strong | $788.4M | 10.5% | 0.26% | vs |
| First Bank & TrustBank Brookings, SD | 70 out of 100, Strong | $4.8B | 10.4% | 0.42% | vs |
| Minnwest BankBank Redwood Falls, MN | 68 out of 100, Moderate | $2.9B | 10.8% | 0.56% | vs |