Federal credit union · SCOTTSBLUFF, Nebraska · NCUA charter #3558
Sugar Valley
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $6.2M
- Total assets
- 1,505
- Members
- 24.4%
- Net-worth ratio
Sugar Valley scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.2M; members 1,505; net-worth ratio 24.45%; health rank #4,130 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,130 of 4,374 health · 2025Q4Sugar Valley · health 57/100 · $6.2M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sugar Valley vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sugar Valley sits in 55-59 with 115 others.
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Sugar Valley diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 81.64% here, 63.60% peer average (+18.04 pp).
- Largest lag: Return on Assets at -0.46% vs peer 0.45% (-0.91 pp).
Nebraska standing for Sugar Valley
- Health composite ranks #45 of 50 among scored Nebraska credit unions.
- Nebraska assets place: #44 of 50.
- Membership ranks #37 of 50 among Nebraska CUs with a reported count (1,505 members).
- One place up in Nebraska, Nebraska Rural Community (#44) scores 62/100, 5 points higher; one place down, Roberts Dairy Employees (#46) scores 56/100, 1 point lower.
Sugar Valley: 2025Q4 → 2026Q1
Sugar Valley: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.7% from $6.2M (2025Q4) to $6.1M (2026Q1).
- Net-worth ratio shifted +0.35 pp (24.10% → 24.45%).
24.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 57/100 score is built
Sugar Valley gives up 43 points in total. Return on Assets costs the most, 14.6 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 0.4 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 15.2 pts
Sugar Valley health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.45% | +5.39 pp |
| Delinquency Rate | 2.31% | +0.50 pp |
| Return on Assets | -0.46% | -0.91 pp |
| Member Growth | -4.57% | - |
| Loan-to-Share Ratio | 81.64% | +18.04 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Sugar Valley filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.1M | - |
| 2025Q4 | $6.2M | 1,505 |
| 2024Q4 | $6.7M | 1,577 |
| 2023Q4 | $6.7M | 1,281 |
Credit Union Details
- Charter Number
- 3558
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- SCOTTSBLUFF
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Sugar Valley, spread across 2 cities.
| Office | City |
|---|---|
| Sugar Valley Federal Credit Union (Main Office) | Scottsbluff, NE |
| NEBRASAK RURAL COMMUNITY CREDIT UNION | GERING, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Sugar Valley
Using this data
- Sugar Valley ranks #4,130 of 4,374 nationally on financial health and #45 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Meadow Grove is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Meadow Grove
Frequently Asked Questions
Is Sugar Valley financially healthy?
Sugar Valley has a financial health score of 57/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,130 of 4,374 nationally on health and #45 of 50 in Nebraska. Its net worth ratio is 24.45% and its delinquency rate 2.31%.
How does Sugar Valley compare to other credit unions?
Sugar Valley scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (81.64% vs 63.60%). Its widest shortfall is return on assets (-0.46% vs 0.45%).
How can I join Sugar Valley?
Sugar Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sugar Valley directly for the exact boundaries and application steps.
Is my money safe at Sugar Valley?
Sugar Valley is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sugar Valley's net worth ratio of 24.45% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.