Sugar Valley Federal Credit Union
Total assets
$6.1M
▼ -8.0% YoY
Shares & deposits
$4.7M
▼ -10.6% YoY
Loans
$3.8M
▲ +2.8% YoY
Members
1,491
▼ -4.6% YoY
ROA (annualized)
-0.23%
peers 0.60%
ROE (annualized)
-0.93%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.0% | +1.3% | -9.3 pts |
| Share growth (YoY) | -10.6% | +0.7% | -11.3 pts |
| Loan growth (YoY) | +2.8% | -2.4% | +5.2 pts |
| ROA | -0.23% | 0.60% | -0.8 pts |
| ROE | -0.9% | 4.1% | -5.0 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 2
- Address
- Po Box 745, Scottsbluff, NE, 69363
- NCUA charter #
- 3558
- RSSD ID
- 433578
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.1M | $4.7M | $3.8M | $1.5M | $-3K | -0.23% | 4.77% | 2.53% | 1,491 |
| Q4 2025 | $6.2M | $4.8M | $3.9M | $1.5M | $4K | 0.07% | 4.40% | 2.31% | 1,505 |
| Q3 2025 | $6.1M | $4.7M | $3.8M | $1.5M | $6K | 0.13% | 4.43% | 1.66% | 1,542 |
| Q2 2025 | $6.5M | $5.1M | $3.8M | $1.5M | $-8K | -0.24% | 4.08% | 2.19% | 1,551 |
| Q1 2025 | $6.7M | $5.3M | $3.7M | $1.5M | $-22K | -1.33% | 3.92% | 2.92% | 1,563 |
| Q4 2024 | $6.7M | $5.3M | $3.7M | $1.5M | $-28K | -0.42% | 3.76% | 3.80% | 1,577 |
| Q3 2024 | $6.6M | $5.0M | $4.0M | $1.5M | $-51K | -1.03% | 3.79% | 3.24% | 1,592 |
| Q2 2024 | $6.5M | $4.9M | $3.8M | $1.5M | $-20K | -0.62% | 3.90% | 2.61% | 1,595 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $1.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.23% | 0.60% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.9% | 4.1% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.83% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.3% | 81.5% | 85th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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