BlastPoint's Credit Union Scorecard
SUNKIST EMPLOYEES
Charter #4393 · CA
SUNKIST EMPLOYEES has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 0.94% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.9% in tier
- + Efficiency Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Loan Growth Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
511
-2.5% YoY+0.6% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$3.9M
-1.0% YoY-1.9% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$1.1M
-28.3% YoY-8.4% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.9% in tier |
| Deposits |
$2.7M
-4.0% YoY-3.5% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.2% in tier |
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| ROA |
1.8%
+0.9% YoY+5.4% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.9% in tier |
| NIM |
4.9%
+7.4% YoY+2.9% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
57.1%
-1.2% YoY-1.8% QoQ
|
-25.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate |
0.1%
+42.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
41.0%
-25.3% YoY-5.1% QoQ
|
-19.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$7,355
-10.4% YoY-5.5% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
1.5%
-16.8% YoY+3.6% QoQ
|
-22.9% | 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)