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Black Friday downtown Sioux City

People line up outside HOM Furniture in downtown Sioux City on Black Friday 2014.

Siouxlanders are among America's most financially responsible citizens, according to a website devoted to helping consumers overcome poor credit.

Metro Sioux City ranks ninth on's list of the 20 most financial responsible cities, based on the debit and credit scores of the residents.

The ranking is based on data from the fifth annual State of Credit Report by the credit reporting bureau Experian. The service measured a variety of factors in more than 200 cities and Metropolitan Statistical Areas, including credit scores, debt and balance on bank cards.

Sioux City's average credit score was listed as 691, one of the lowest among the top 20 cities, and around the national average. Credit scores range from 300 to 850 points. The higher the score, the more likely a borrower is believed to repay the debt owed.

The ranking also showed Sioux City consumers with an average debt of $26,876, an average bankcard balance of $3,537 and an average credit utilization of 23 percent.

"Although Sioux City’s motto is “Successful, Surprising, Sioux City,” you shouldn’t be too shocked to see them rank number nine on our list," said on its website. "Residents have ample access to careers with local economics cornerstones Tyson Fresh Meats, the Sioux City Community School District, several regional medical centers and plenty more."

"Residents have access to big city attractions like art centers, theaters and minor league professional sports, as well as eco-attractions like a plethora of state parks and nature centers."

The first-time survey, located at, identified

Wausau, Wis. topped the most financially responsible city list. Sixteen of the 20 cities are in the Midwest. Besides Sioux City, three others are in Iowa: Cedar Rapids, 11th; Ottumwa, 12th; and Davenport, 14th. Lincoln, Neb. was eighth, one spot ahead of Sioux City.

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