BlastPoint's Credit Union Scorecard
SUN EAST
Charter #6160 · PA
SUN EAST has 2 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 21.7% in tier
- + Wallet Share Momentum: Top 42.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.4% in tier
- - Stagnation Risk: Bottom 43.9% in tier
- - Membership Headwinds: Bottom 45.2% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 4.17% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,861
-3.0% YoY-1.5% QoQ
|
-3.2K |
52,084
-1.6% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$907.2M
+8.4% YoY+5.3% QoQ
|
+$43.3M |
$863.9M
+0.5% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$722.4M
+1.2% YoY-0.7% QoQ
|
+$116.6M |
$605.8M
+1.4% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 12.8% in tier |
| Deposits |
$825.5M
+8.5% YoY+5.5% QoQ
|
+$88.2M |
$737.3M
+0.1% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+4124.9% YoY+2.0% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.4%
+5.5% YoY-2.7% QoQ
|
-0.0% |
3.4%
+8.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
78.5%
-3.3% YoY-1.0% QoQ
|
+4.2% |
74.3%
-3.6% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.0%
-29.5% YoY+1.7% QoQ
|
+0.1 |
0.9%
+3.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
87.5%
-6.7% YoY-5.9% QoQ
|
+4.9% |
82.6%
+1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$31,681
+8.3% YoY+4.1% QoQ
|
+$3K |
$28,873
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
30.5%
-1.1% YoY+4.3% QoQ
|
+6.1% | 24.4% | 15.5% | 19.8% | 72% |
| Indirect Auto % |
18.1%
-7.8% YoY-5.3% QoQ
|
+4.3% | 13.8% | 8.1% | 7.8% | 68% |
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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
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)