BlastPoint's Credit Union Scorecard
SUNKIST EMPLOYEES
Charter #4393 · CA
<100M
2508 CUs in <100M nationally
92 in CA
SUNKIST EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
- + Net Interest Margin 0.52% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Loan Growth Rate: Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
506
-4.0% YoY-1.0% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 13.8% in tier |
| Assets |
$4.0M
-2.2% YoY+1.0% QoQ
|
$-26.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
16% |
| Loans |
$1.0M
-29.2% YoY-4.3% QoQ
|
$-14.2M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 11.7% in tier |
| Deposits |
$2.7M
-5.9% YoY+0.7% QoQ
|
$-23.1M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.1% in tier |
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| ROA |
1.3%
-9.6% YoY-27.6% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
4.5%
-1.5% YoY-7.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
63.3%
-0.9% YoY+10.9% QoQ
|
-27.3% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
38.9%
-24.7% YoY-5.0% QoQ
|
-19.6% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$7,372
-10.2% YoY+0.2% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration |
1.5%
-15.1% YoY-0.7% QoQ
|
-22.8% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
122
Net Worth Ratio
risk
Value:
31.87%
Peer Median: 14.28%
#122 of 2508
Top 4.8% in <100M tier
403
Efficiency Ratio
profitability
Value:
63.33%
Peer Median: 81.45%
#403 of 2508
Top 16.0% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
515
Return on Assets (ROA)
profitability
Value:
1.30%
Peer Median: 0.61%
#515 of 2508
Top 20.5% in <100M tier
562
Net Interest Margin (NIM)
profitability
Value:
4.53%
Peer Median: 3.83%
#562 of 2508
Top 22.4% in <100M tier
Top Weaknesses (11 metrics)
2437
Loan Growth Rate
growth
Value:
-29.16%
Peer Median: -2.36%
#2437 of 2508
Bottom 2.9% in <100M tier
2334
AMR Growth Rate
growth
Value:
-10.24%
Peer Median: 1.27%
#2334 of 2508
Bottom 7.0% in <100M tier
2214
Total Loans
balance_sheet
Value:
$1.05M
Peer Median: $9.48M
#2214 of 2508
Bottom 11.8% in <100M tier
2161
Total Members
engagement
Value:
506
Peer Median: 1,918
#2161 of 2508
Bottom 13.9% in <100M tier
2154
Total Deposits
balance_sheet
Value:
$2.68M
Peer Median: $18.77M
#2154 of 2508
Bottom 14.2% in <100M tier
2149
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,066
Peer Median: $4,923
#2149 of 2508
Bottom 14.4% in <100M tier
2136
Deposit Growth Rate
growth
Value:
-5.88%
Peer Median: 0.66%
#2136 of 2508
Bottom 14.9% in <100M tier
2118
Total Assets
balance_sheet
Value:
$3.96M
Peer Median: $21.86M
#2118 of 2508
Bottom 15.6% in <100M tier
2107
Average Member Relationship (AMR)
engagement
Value:
$7,372
Peer Median: $13,926
#2107 of 2508
Bottom 16.0% in <100M tier
1990
Loan-to-Share Ratio
balance_sheet
Value:
38.94%
Peer Median: 58.72%
#1990 of 2508
Bottom 20.7% in <100M tier