BlastPoint's Credit Union Scorecard
SUNCOMP EMPLOYEES
Charter #22340 · VA
2596 CUs in <100M nationally
49 in VA
SUNCOMP EMPLOYEES has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.3% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 2.82% below tier average
- - Efficiency ratio 85.58% above tier (higher cost structure)
- - Delinquency rate 1.55% above tier average
- - Member decline: -9.6% YoY
- - Share Certificate Concentration (%): Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Total Deposits: Bottom 4.8% in tier
- - Total Members: Bottom 5.7% in tier
- - Member Growth Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
235
-9.6% YoY-2.1% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 5.6% in tier |
| Assets |
$3.5M
-1.0% YoY-0.7% QoQ
|
$-26.4M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.6% in tier |
| Loans |
$1.2M
-23.8% YoY-12.3% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.6% in tier |
| Deposits |
$576,951
+3.0% YoY-1.3% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.8% in tier |
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| ROA |
-2.1%
-311.7% YoY-4.5% QoQ
|
-2.8% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.9% in tier |
| NIM |
2.9%
-20.1% YoY+4.4% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
167.0%
+67.5% YoY-2.6% QoQ
|
+85.6% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
3.1%
+2124.8% YoY
|
+1.6 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 11.5% in tier |
| Loan To Share |
204.0%
-26.0% YoY-11.1% QoQ
|
+142.8% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 0.2% in tier |
| AMR |
$7,464
-7.8% YoY-7.0% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
58.8%
-25.5% YoY-21.7% QoQ
|
+34.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Loan-to-Share Ratio
balance_sheet
Value:
204.02%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
8
Net Worth Ratio
risk
Value:
83.00%
Peer Avg: -
#8 of 2596
Top 0.3% in <100M tier
10
Net Charge-Off Rate
risk
Value:
-1.86%
Peer Avg: -
#10 of 2596
Top 0.3% in <100M tier
Top Weaknesses (14 metrics)
2559
Share Certificate Concentration (%)
balance_sheet
Value:
58.77%
Peer Avg: -
#2559 of 2596
Bottom 1.5% in <100M tier
2543
Efficiency Ratio
profitability
Value:
166.97%
Peer Avg: -
#2543 of 2596
Bottom 2.1% in <100M tier
2521
Return on Assets (ROA)
profitability
Value:
-2.14%
Peer Avg: -
#2521 of 2596
Bottom 2.9% in <100M tier
2483
Loan Growth Rate
growth
Value:
-23.77%
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2472
Total Deposits
balance_sheet
Value:
$576,951
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier
2450
Total Members
engagement
Value:
235
Peer Avg: -
#2450 of 2596
Bottom 5.7% in <100M tier
2433
Member Growth Rate
growth
Value:
-9.62%
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2312
AMR Growth Rate
growth
Value:
-7.78%
Peer Avg: -
#2312 of 2596
Bottom 11.0% in <100M tier
2298
Total Delinquency Rate (60+ days)
risk
Value:
3.06%
Peer Avg: -
#2298 of 2596
Bottom 11.5% in <100M tier
2269
Total Loans
balance_sheet
Value:
$1.18M
Peer Avg: -
#2269 of 2596
Bottom 12.6% in <100M tier