SUGAR VALLEY
Charter #3558 | NE
<100M
(2596 CUs)
Micro
($0-$500M)
34 <100M in NE
SUGAR VALLEY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 13.61% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Member decline: -3.1% YoY
- - Asset Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,542
-3.1% YoY-0.6% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$6.1M
-7.2% YoY-6.2% QoQ
|
$-23.8M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 23.1% in tier |
| Loans |
$3.8M
-2.8% YoY+0.2% QoQ
|
$-11.9M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$4.7M
-6.4% YoY-8.8% QoQ
|
$-20.8M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.1% in tier |
| ROA |
0.1%
-111.7% YoY-151.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 20.5% in tier |
| NIM |
4.3%
+12.2% YoY+6.2% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
95.0%
-11.6% YoY-5.6% QoQ
|
+13.6% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Top 16.1% in tier |
| Delinquency Rate |
1.7%
-48.6% YoY-24.1% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
75th in tier |
| Loan To Share |
82.5%
+3.9% YoY+9.9% QoQ
|
+21.3% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 19.5% in tier |
| AMR |
$5,510
-1.7% YoY-4.3% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
5.3%
-4.0% YoY+8.3% QoQ
|
-19.1% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
301
Net Worth Ratio
risk
Value:
24.61%
Peer Avg: 16.43%
#301 of 2596
Top 11.6% in <100M tier
355
Members Per Employee (MPE)
engagement
Value:
514.000
Peer Avg: 365.701
#355 of 2596
Top 13.6% in <100M tier
503
Loan-to-Share Ratio
balance_sheet
Value:
82.50%
Peer Avg: 61.23%
#503 of 2596
Top 19.3% in <100M tier
Top Weaknesses (9 metrics)
2362
Asset Growth Rate
growth
Value:
-7.19%
Peer Avg: 1.82%
#2362 of 2596
Bottom 9.1% in <100M tier
2321
Average Member Relationship (AMR)
engagement
Value:
$5,510
Peer Avg: $14,627
#2321 of 2596
Bottom 10.6% in <100M tier
2256
Deposit Growth Rate
growth
Value:
-6.43%
Peer Avg: 16.80%
#2256 of 2596
Bottom 13.1% in <100M tier
2254
Net Charge-Off Rate
risk
Value:
1.06%
Peer Avg: 0.57%
#2254 of 2596
Bottom 13.2% in <100M tier
2180
Efficiency Ratio
profitability
Value:
95.00%
Peer Avg: 81.39%
#2180 of 2596
Bottom 16.1% in <100M tier
2132
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,491
Peer Avg: $5,488
#2132 of 2596
Bottom 17.9% in <100M tier
2063
Return on Assets (ROA)
profitability
Value:
0.12%
Peer Avg: 0.68%
#2063 of 2596
Bottom 20.6% in <100M tier
2023
Total Deposits
balance_sheet
Value:
$4.66M
Peer Avg: $25.45M
#2023 of 2596
Bottom 22.1% in <100M tier
1997
Total Assets
balance_sheet
Value:
$6.10M
Peer Avg: $29.86M
#1997 of 2596
Bottom 23.1% in <100M tier