# COTEAU VALLEY
SISSETON, SD · NCUA charter 6992 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/coteau-valley-6992

Who the members are: federal charter, multiple common bond, organized 1950, low-income designated. 2,216 members of 10,000 potential (22.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $18.9M |
| Members | 2,216 (3.1% YoY) |
| Full-time staff | 5 |
| Net worth | $1.8M |
| Net worth ratio | 9.7% (p15 of band) |
| ROA (annualized) | 0.44% (p43 of band) |
| Total delinquency | 0.44% (p42 of band) |
| Net charge-offs (annualized) | 0.94% (p85 of band) |
| Loans / shares | 58% (p51 of band) |
| Cash / assets | 42.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p56 of band) |
| Operating expense / assets | 4.99% (p78 of band) |
| Vehicles % of loans | 41% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.97% (p64 of band) |
| Vehicle NCO | 0.84% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 28% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 59% |
| Average share balance | $4,932 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 53% |
| Average loan balance | $11,896 |
| Loans granted, annualized | $5.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | delinquency rising | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | losing money |  |
| 2018-09 | 1 |  | losing money |
| 2018-12 | 1 | assets shrinking | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | net worth falling | assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | charge-offs p90, repo signal | delinquency rising |
| 2021-09 | 3 |  | charge-offs p90, repo signal |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 2 | repo signal | margin squeeze |
| 2022-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band, repo signal |
| 2022-09 | 0 |  | net worth falling, charge-offs p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | net worth falling |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 3 | thin capital, delinquency rising |  |
| 2024-06 | 1 |  | net worth falling, thin capital |
| 2024-09 | 1 | repo signal | delinquency rising |
| 2024-12 | 1 | delinquency rising | repo signal |
| 2025-03 | 2 | net worth falling, repo signal | delinquency rising |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | repo signal |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-19 [Dakota Credit Union announces individual achievement awards - Grand Forks Herald](https://news.google.com/rss/articles/CBMirgFBVV95cUxOR05NUkZ0eXRla3pxNlByMWRTT2NCSjJoOTJBcVU4TllwelJVd3dlR1VfQ1hHNlFiYlVneFo1UHZyT2wyVHNWVm8tellyLW9CdnJjeGRhQjVHeTBvaS1vS1RmMUozczhZSHBnOVBJamtIa0s5RHVTMFdUOUFzZWh0SEljcG10ZmZYY2tmaGVJWm1JSlZUSmxjT1phZ0htNkROTkkyWU41eTFYYk9RYVE?oc=5) · Grand Forks Herald
- 2024-05-28 [New board installed at Dakota Credit Union Association - Grand Forks Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNWtia09kVWlHcmw5Wi1Nd0VjYlAzZU14RDVMTnZhN2swZXQ3cXJtOGw3c1BFclRKRkE2ZWI2S0JRUHFZRkxXc3E3cEMtNEc2aDBLMG12ai1TOXpfa0J4RUgyZlYwMTktSVp0THpScFNzeFRDVFF5SWdiM3NqRy02anpLb01vWmZlUzBNSzkyb1o3TzlMZTMza2RhdXEtN2JVZFlJTi1WUQ?oc=5) · Grand Forks Herald
- 2014-02-18 [McCleerey running for S.D. House - Watertown Public Opinion](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWW96aUJxdklpRHFJUmlLWUtpZlEwZTNwOFhESE5ZRDQtdnNSbUduZHBWRnR4SF9IYUFCMXd2Y3ltOVN6RlFyVVhPeHhwVDJZMEF5aEZlRVJ0ZEU0Q2RoZkNTTUlRUnFIbDk5dmJLa24yR0pQSDZ4OV9yOFdCSWJlWHQzQU5kVEJGSld3ZVY1ZTM0M3VCbmxVSWwxQW9qbDFHX0VReQ?oc=5) · Watertown Public Opinion

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6992 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/16.json (key "6992", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=6992
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide