BlastPoint's Credit Union Scorecard
SUNKIST EMPLOYEES
Charter #4393 ยท CA
2596 CUs in <100M nationally
92 in CA
SUNKIST EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.02% above tier average
- + Net Interest Margin 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.9% YoY
- - Deposit Growth Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
508
-5.9% YoY-2.5% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 13.9% in tier |
| Assets |
$4.0M
-8.2% YoY-2.1% QoQ
|
$-25.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$1.2M
-23.2% YoY-13.1% QoQ
|
$-14.6M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.7% in tier |
| Deposits |
$2.8M
-13.0% YoY-3.5% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.7% in tier |
| ROA |
1.7%
+8.4% YoY-0.4% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 14.5% in tier |
| NIM |
4.8%
+11.7% YoY+1.5% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
58.1%
-1.6% YoY-0.6% QoQ
|
-23.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
0.0%
-97.3% YoY-97.6% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
16% |
| Loan To Share |
43.2%
-11.8% YoY-9.9% QoQ
|
-18.1% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$7,786
-11.1% YoY-4.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
1.4%
-8.2% YoY-17.2% QoQ
|
-23.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
144
Net Worth Ratio
risk
Value:
30.76%
Peer Avg: 16.43%
#144 of 2596
Top 5.5% in <100M tier
310
Efficiency Ratio
profitability
Value:
58.11%
Peer Avg: 81.39%
#310 of 2596
Top 11.9% in <100M tier
376
Return on Assets (ROA)
profitability
Value:
1.70%
Peer Avg: 0.68%
#376 of 2596
Top 14.4% in <100M tier
426
Total Delinquency Rate (60+ days)
risk
Value:
0.04%
Peer Avg: 1.51%
#426 of 2596
Top 16.4% in <100M tier
511
Net Interest Margin (NIM)
profitability
Value:
4.76%
Peer Avg: 3.93%
#511 of 2596
Top 19.6% in <100M tier
Top Weaknesses (14 metrics)
2480
Deposit Growth Rate
growth
Value:
-13.00%
Peer Avg: 16.80%
#2480 of 2596
Bottom 4.5% in <100M tier
2479
Loan Growth Rate
growth
Value:
-23.23%
Peer Avg: 59.01%
#2479 of 2596
Bottom 4.5% in <100M tier
2425
AMR Growth Rate
growth
Value:
-11.10%
Peer Avg: 4.67%
#2425 of 2596
Bottom 6.6% in <100M tier
2402
Asset Growth Rate
growth
Value:
-8.15%
Peer Avg: 1.82%
#2402 of 2596
Bottom 7.5% in <100M tier
2267
Total Loans
balance_sheet
Value:
$1.19M
Peer Avg: $15.77M
#2267 of 2596
Bottom 12.7% in <100M tier
2257
Member Growth Rate
growth
Value:
-5.93%
Peer Avg: 14.92%
#2257 of 2596
Bottom 13.1% in <100M tier
2233
Total Members
engagement
Value:
508
Peer Avg: 2,626
#2233 of 2596
Bottom 14.0% in <100M tier
2214
Total Deposits
balance_sheet
Value:
$2.76M
Peer Avg: $25.45M
#2214 of 2596
Bottom 14.8% in <100M tier
2173
Total Assets
balance_sheet
Value:
$4.00M
Peer Avg: $29.86M
#2173 of 2596
Bottom 16.3% in <100M tier
2166
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,348
Peer Avg: $5,488
#2166 of 2596
Bottom 16.6% in <100M tier