BlastPoint's Credit Union Scorecard
SUGAR VALLEY
Charter #3558 · NE
SUGAR VALLEY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% 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 0.55% below tier average
- - Efficiency ratio 12.92% above tier (higher cost structure)
- - Delinquency rate 0.75% above tier average
- - Member decline: -4.6% YoY
- - Deposit Growth Rate: Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,505
-4.6% YoY-2.4% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$6.2M
-7.6% YoY+2.0% QoQ
|
$-23.9M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$3.9M
+4.2% YoY+1.4% QoQ
|
$-11.9M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.8M
-10.4% YoY+2.5% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
0.1%
-115.8% YoY-44.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
4.4%
+16.9% YoY+3.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
95.5%
-1.0% YoY+0.5% QoQ
|
+12.9% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.3%
-39.3% YoY+38.8% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
81.6%
+16.4% YoY-1.0% QoQ
|
+21.0% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$5,758
+0.2% YoY+4.5% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
5.0%
+1.7% YoY-6.5% QoQ
|
-19.5% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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)