Sugar Valley
Scottsbluff, NE · Charter 3558 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$3.7MLoans
$4.8MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 92% of credit unions under $1B in assets (rank 131 of 1683).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1635 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-1.38%
Rank 1,632 of 1,683
Net Interest Margin
4.73%
Rank 240 of 1,683
Efficiency Ratio
98.95%
Rank 1,547 of 1,682
Equity / Assets
23.44%
Rank 131 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.38% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,632 / 1,683 | |
| Return on Equity | -5.91% | 2.67% | 5.89% | 8.74% | Beats 5% | 1,598 / 1,681 | |
| Net Interest Margin | 4.73% | 3.31% | 3.82% | 4.32% | Beats 86% | 240 / 1,683 | |
| Efficiency Ratio | 98.95% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,547 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.67% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,635 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.44% | 10.44% | 12.89% | 16.53% | Beats 92% | 131 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.44% | 10.44% | 12.89% | 16.53% | Beats 92% | 131 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.17% | 52.61% | 69.38% | 83.50% | 64th pctl | 600 / 1,683 | |
| Loans / Assets | 60.14% | 44.71% | 59.18% | 70.72% | 52nd pctl | 807 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |