BlastPoint's Credit Union Scorecard
SUGAR VALLEY
Charter #3558 · 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
|
41% |
| 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
|
23% |
| 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
|
28% |
| 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
|
22% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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
|
20% |
| 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
|
66% |
| 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
|
84% |
| 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
|
75% |
| 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
|
80% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)