M O vs Sioux Valley Coop
Comparing a Credit Union in Huron, SD with a Credit Union in Watertown, SD using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| M O ↗ Credit Union · Huron, SD · Est. 1950 | Sioux Valley Coop ↗ Credit Union · Watertown, SD · Est. 1953 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Huron, SD | Watertown, SD |
| Total assets | $41.4M | $41.5M |
| Net worth ratio | 13.7% | 19.8% |
| Return on assets | 1.3% | 1.4% |
| Shares & deposits | — | — |
| Members | 1,759 | 3,378 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 33 | #6 of 33 |
| Established | 1950 | 1953 |
M O
- Assets: $41.4M
- Members: 1,759
- Capital ratio: 13.7%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #3 of 33
Sioux Valley Coop
- Assets: $41.5M
- Members: 3,378
- Capital ratio: 19.8%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #6 of 33
Are both institutions federally insured?
Yes. M O is NCUA-insured and Sioux Valley Coop is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, M O or Sioux Valley Coop?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — M O scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is M O safe?
Yes — M O is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sioux Valley Coop safe?
Yes — Sioux Valley Coop is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of M O vs Sioux Valley Coop?
M O has a net worth ratio of 13.7%, placing it in the bottom 46% of <$100M peers. Sioux Valley Coop's ratio is 19.8%, placing it in the top 23% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does M O have compared to Sioux Valley Coop?
The CFPB database shows 0 complaints against M O, and 0 complaints against Sioux Valley Coop. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare M O with other Credit Unions in South Dakota
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
