SUN

Charter #67332 | FL

100M-500M (1077 CUs) Micro
35 100M-500M in FL

SUN has 9 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.0% in tier
  • + Wallet Share Momentum: Top 3.6% in tier
  • + Emerging Performer: Top 19.3% in tier
  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.21% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan Growth Rate: Top 4.3% in tier
  • + First Mortgage Concentration (%): Top 4.8% in tier
  • + AMR Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 8.8% in tier
  • - Stagnation Risk: Bottom 11.5% in tier
  • - Credit Quality Pressure: Bottom 21.9% in tier
  • - Membership Headwinds: Bottom 25.3% in tier
  • - Total Members: Bottom 7.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 6,451
-1.4% YoY-0.2% QoQ
 -9.2K 15,628
-3.4% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Bottom 7.2% in tier
Assets $125.9M
+5.2% YoY+2.5% QoQ
 $-105.4M $231.3M
-0.0% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 Bottom 17.7% in tier
Loans $60.8M
+18.3% YoY+12.0% QoQ
 $-87.0M $147.8M
-1.4% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Bottom 10.1% in tier
Deposits $112.4M
+4.8% YoY+2.7% QoQ
 $-87.9M $200.3M
-0.0% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 19.4% in tier
ROA 1.0%
+40.3% YoY-10.6% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 65th in tier
NIM 3.8%
+18.6% YoY+0.5% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 62nd in tier
Efficiency Ratio 71.1%
-5.4% YoY-1.2% QoQ
 -6.2% 77.3%
-3.0% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 0.4%
+20.7% YoY-17.5% QoQ
 -0.4 0.9%
+7.6% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 54.1%
+12.8% YoY+9.0% QoQ
 -18.6% 72.7%
-1.5% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Bottom 13.7% in tier
AMR $26,838
+10.7% YoY+6.0% QoQ
 +$2K $24,363
+2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 73rd in tier
CD Concentration 27.1%
+10.1% YoY+7.1% QoQ
 +2.7% 24.4%
+4.2% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#57 of 1006 • Top 2.0% in tier

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

Why This Signature
AMR Growth (YoY): 10.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#99 of 1006 • Top 3.6% in tier

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

Why This Signature
AMR Growth (YoY): 10.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#362 of 627 • Top 19.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.99%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#133 of 446 • Bottom 8.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 18.27%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Stagnation Risk

risk
#191 of 550 • Bottom 11.5% 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: 0.99%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.8K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 27.12%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#542 of 736 • Bottom 21.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Membership Headwinds

decline
#417 of 550 • Bottom 25.3% in tier

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

Why This Signature
Member Growth (YoY): -1.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
47
Loan Growth Rate
growth
Value: 18.27%
Peer Avg: 3.45%
#47 of 1077 Top 4.3% in 100M-500M tier
53
First Mortgage Concentration (%)
balance_sheet
Value: 3.85%
Peer Avg: 30.43%
#53 of 1077 Top 4.8% in 100M-500M tier
80
AMR Growth Rate
growth
Value: 10.72%
Peer Avg: 3.64%
#80 of 1077 Top 7.3% in 100M-500M tier

Top Weaknesses (5 metrics)

999
Total Members
engagement
Value: 6,451
Peer Avg: 15,628
#999 of 1077 Bottom 7.3% in 100M-500M tier
968
Total Loans
balance_sheet
Value: $60.77M
Peer Avg: $147.80M
#968 of 1077 Bottom 10.2% in 100M-500M tier
929
Loan-to-Share Ratio
balance_sheet
Value: 54.08%
Peer Avg: 72.70%
#929 of 1077 Bottom 13.8% in 100M-500M tier
886
Total Assets
balance_sheet
Value: $125.91M
Peer Avg: $231.30M
#886 of 1077 Bottom 17.8% in 100M-500M tier
868
Total Deposits
balance_sheet
Value: $112.37M
Peer Avg: $200.29M
#868 of 1077 Bottom 19.5% in 100M-500M tier