SUGAR VALLEY
Charter #3558 · SCOTTSBLUFF, NE · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,491 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.23% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.24% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.53% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.43% sits at the 77th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SUGAR VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.12M | 72th pct | 59th pct |
| Members | 1,491 | 94th pct | 89th pct |
| Net worth ratio | 24.45% | 74th pct | 70th pct |
| Return on average assets | -0.23% | 28th pct | 18th pct |
| Net interest margin | 4.73% | 71th pct | 67th pct |
| Cost of funds | 0.24% | 32th pct | 20th pct |
| Loan-to-share | 80.02% | 77th pct | 56th pct |
| Delinquency 60+ days | 2.53% | 73th pct | 77th pct |
| Net charge-off ratio | 0.43% | 81th pct | 77th pct |
| Loan growth YoY | -1.94% | 66th pct | 57th pct |
| Share growth YoY | 1.10% | 57th pct | 48th pct |
| Efficiency ratio | 100.34% | 73th pct | 79th pct |
structural peer set hash: a910ac81b5363c8ba6e70eb17dd14032… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.