BlastPoint's Credit Union Scorecard
SUN PACIFIC
Charter #5359 · CA
SUN PACIFIC has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.47% above tier average
- - Member decline: -4.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,542
-4.0% YoY-0.5% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$29.6M
+1.2% YoY+0.9% QoQ
|
$-287K |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
60% |
| Loans |
$11.1M
-5.8% YoY-1.5% QoQ
|
$-4.7M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$24.3M
-0.1% YoY+0.5% QoQ
|
$-1.2M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
1.1%
-11.0% YoY+0.7% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
4.5%
+5.8% YoY+0.2% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
65.9%
-0.2% YoY-0.9% QoQ
|
-15.5% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
2.0%
+191.8% YoY+181.1% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
45.6%
-5.7% YoY-2.0% QoQ
|
-15.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$22,938
+2.1% YoY+0.4% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 12.1% in tier |
| CD Concentration |
6.1%
-18.8% YoY-2.6% QoQ
|
-18.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)