BlastPoint's Credit Union Scorecard
SUNKIST EMPLOYEES
Charter #4393 · CA
SUNKIST EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.55% above tier average
- + Net Interest Margin 0.74% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 4.1% in tier
- + Efficiency Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
- - Loan Growth Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -12.2% year over year ($2.5M in shares and deposits).
- Membership: 494 members, -5.2% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 2.04%.
- Efficiency ratio 57.54% vs a 88.77% peer average.
- Loan-to-share ratio 37.52% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
494
-5.2% YoY-2.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 13.4% in tier |
| Assets |
$3.8M
-7.0% YoY-4.1% QoQ
|
$-26.5M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.9% in tier |
| Loans |
$943,428
-31.2% YoY-9.8% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.1% in tier |
| Deposits |
$2.5M
-12.2% YoY-6.3% QoQ
|
$-23.3M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.2% in tier |
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| ROA |
2.0%
+19.5% YoY+57.4% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 9.2% in tier |
| NIM |
4.6%
-1.1% YoY+2.3% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
57.5%
-1.6% YoY-9.2% QoQ
|
-31.2% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 9.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
37.5%
-21.7% YoY-3.7% QoQ
|
-21.4% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$7,000
-13.9% YoY-5.0% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.9% in tier |
| CD Concentration |
1.6%
-9.0% YoY+6.8% QoQ
|
-23.0% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 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)