BlastPoint's Credit Union Scorecard
SUN EAST
Charter #6160 · PA
SUN EAST has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 19.3% in tier
- + Wallet Share Momentum: Top 19.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 2.9% in tier
- - Credit Quality Pressure: Bottom 23.8% in tier
- - Indirect Auto Dependency: Bottom 27.8% in tier
- - Stagnation Risk: Bottom 85.0% in tier
- - Membership Headwinds: Bottom 85.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 4.25% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,572
-3.7% YoY-0.6% QoQ
|
-2.9K |
51,500
+0.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$915.6M
+6.9% YoY+0.9% QoQ
|
+$49.9M |
$865.6M
+0.9% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$725.9M
-0.5% YoY+0.5% QoQ
|
+$130.6M |
$595.3M
+1.6% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Top 11.1% in tier |
| Deposits |
$837.6M
+6.8% YoY+1.5% QoQ
|
+$95.4M |
$742.2M
+0.6% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Top 12.0% in tier |
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| ROA |
0.5%
+1.3% YoY-6.6% QoQ
|
-0.3% |
0.8%
+45.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.3%
+0.5% YoY-2.2% QoQ
|
-0.2% |
3.5%
+6.1% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
39% |
| Efficiency Ratio |
79.8%
-2.4% YoY+1.6% QoQ
|
+4.2% |
75.5%
-3.4% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
1.3%
+20.0% YoY+38.4% QoQ
|
+0.6 |
0.7%
-0.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.1% in tier |
| Loan To Share |
86.7%
-6.9% YoY-1.0% QoQ
|
+6.0% |
80.6%
+0.7% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
59% |
| AMR |
$32,189
+7.2% YoY+1.6% QoQ
|
+$3K |
$28,908
+0.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
29.5%
-0.1% YoY-3.3% QoQ
|
+5.2% | 24.3% | 15.4% | 19.8% | 70% |
| Indirect Auto % |
17.0%
-14.7% YoY-5.8% QoQ
|
+3.2% | 13.8% | 8.3% | 7.7% | 66% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)