BlastPoint's Credit Union Scorecard
SUGAR VALLEY
Charter #3558 · NE
SUGAR VALLEY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 9.71% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - Member decline: -4.6% YoY
- - Deposit Growth Rate: Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,491
-4.6% YoY-0.9% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$6.1M
-8.0% YoY-1.7% QoQ
|
$-24.1M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
23% |
| Loans |
$3.8M
+2.8% YoY-3.3% QoQ
|
$-11.5M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.7M
-10.6% YoY-1.3% QoQ
|
$-21.1M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.2%
-82.7% YoY-437.9% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.8%
+22.5% YoY+7.5% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
100.3%
-2.9% YoY+5.1% QoQ
|
+9.7% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
85% |
| Delinquency Rate |
2.5%
-13.5% YoY+9.4% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
80.0%
+15.1% YoY-2.0% QoQ
|
+21.5% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$5,683
-0.5% YoY-1.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.0% in tier |
| CD Concentration |
4.6%
-7.1% YoY-8.5% QoQ
|
-19.7% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 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)