Sioux Valley Community Credit Union
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 11.1. A current level of 5.0 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.5) profitability. Good liquidity 5.4, driven by a liquidity ratio of 40.4 percent and a “hot money” ratio of 7.3 percent.
Asset Mix:
Consumer loans (38%), home mtgs (14%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1120 Sixth Street
Sioux City, IA 51101
Sioux City, IA 51101
Phone Number
(712) 277-1440
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Sioux City, IA
Sioux City, IA