SUN EAST

Charter #6160 | PA

750M-1B (112 CUs) Community (281 CUs)
7 750M-1B in PA

SUN EAST has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 9.5% in tier
  • + Wallet Share Momentum: Top 12.0% in tier
  • + Net Interest Margin 0.07% above tier average
  • + Total Loans: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 12.3% in tier
  • - Membership Headwinds: Bottom 16.5% in tier
  • - Indirect Auto Dependency: Bottom 17.2% in tier
  • - Liquidity Strain: Bottom 26.1% in tier
  • - ROA 0.22% below tier average
  • - Efficiency ratio 4.78% above tier (higher cost structure)
  • - Delinquency rate 0.12% above tier average
  • - Member decline: -2.5% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 49,610
-2.5% YoY-1.1% QoQ
 -2.5K 52,114
-2.1% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 43rd in tier
Assets $861.4M
+5.6% YoY+1.0% QoQ
 +$2.4M $859.0M
+0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 51st in tier
Loans $727.7M
+1.7% YoY-0.8% QoQ
 +$124.4M $603.4M
+1.0% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Top 9.8% in tier
Deposits $782.2M
+5.5% YoY+0.9% QoQ
 +$48.1M $734.2M
+0.9% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 24.1% in tier
ROA 0.5%
-13069.3% YoY+15.1% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 35th in tier
NIM 3.4%
+10.0% YoY+1.9% QoQ
 +0.1% 3.4%
+9.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 54th in tier
Efficiency Ratio 79.3%
-5.6% YoY-0.9% QoQ
 +4.8% 74.5%
-3.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 0.9%
-61.4% YoY-12.4% QoQ
 +0.1 0.8%
+5.0% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 68th in tier
Loan To Share 93.0%
-3.5% YoY-1.7% QoQ
 +10.4% 82.7%
+0.1% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 73rd in tier
AMR $30,437
+6.3% YoY+1.2% QoQ
 +$2K $28,651
+2.5% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 29.2%
-6.1% YoY+5.6% QoQ
 +4.8% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 19.1%
-4.7% YoY-3.1% QoQ
 +5.2% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 69th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#262 of 1006 • Top 9.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.31%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#332 of 1006 • Top 12.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.31%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#203 of 550 • Bottom 12.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.49%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $30.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 29.22%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#272 of 550 • Bottom 16.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#277 of 525 • Bottom 17.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.64%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 19.12%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.54%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Strain

risk
#203 of 258 • Bottom 26.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 93.04%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 1.71%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (3 metrics)

11
Total Loans
balance_sheet
Value: $727.75M
Peer Avg: $603.36M
#11 of 112 Top 8.9% in 750M-1B tier
27
Total Deposits
balance_sheet
Value: $782.22M
Peer Avg: $734.17M
#27 of 112 Top 23.2% in 750M-1B tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $14,669
Peer Avg: $12,810
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (2 metrics)

96
Net Worth Ratio
risk
Value: 8.64%
Peer Avg: 11.52%
#96 of 112 Bottom 15.2% in 750M-1B tier
93
Member Growth Rate
growth
Value: -2.54%
Peer Avg: 1.14%
#93 of 112 Bottom 17.9% in 750M-1B tier