BlastPoint's Credit Union Scorecard
SUN PACIFIC
Charter #5359 · CA
SUN PACIFIC has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
- + Net Interest Margin 0.56% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,551
-2.9% YoY+0.6% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$29.3M
+2.4% YoY-0.8% QoQ
|
$-816K |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$11.3M
-2.0% YoY+2.1% QoQ
|
$-4.4M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$24.5M
+3.9% YoY+0.8% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.8%
-31.9% YoY-22.1% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.5%
+4.1% YoY+0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
68.7%
+4.6% YoY+4.2% QoQ
|
-13.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.0%
+1.3% YoY-51.8% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
46.2%
-5.7% YoY+1.4% QoQ
|
-14.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$23,078
+5.0% YoY+0.6% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 11.8% in tier |
| CD Concentration |
5.8%
-21.1% YoY-3.7% QoQ
|
-18.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)