BlastPoint's Credit Union Scorecard
SUN
Charter #67332 · FL
SUN has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.53% above tier average
- + Net Interest Margin 0.51% above tier average
- + Loan Growth Rate: Top 5.1% in tier
- + First Mortgage Concentration (%): Top 6.1% in tier
- + AMR Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Total Members: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,454
-0.8% YoY+0.1% QoQ
|
-8.7K |
15,145
-2.5% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
Bottom 8.4% in tier |
| Assets |
$129.1M
+7.7% YoY+1.5% QoQ
|
$-102.6M |
$231.7M
+0.8% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$63.3M
+16.8% YoY+0.9% QoQ
|
$-80.8M |
$144.1M
+0.2% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.9% in tier |
| Deposits |
$114.7M
+7.3% YoY+1.3% QoQ
|
$-86.4M |
$201.1M
+0.4% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
1.3%
+24.3% YoY+17.8% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
82% |
| NIM |
4.1%
+11.2% YoY+7.8% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
67.7%
-9.2% YoY-3.1% QoQ
|
-10.3% |
78.0%
-1.7% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.4%
+84.4% YoY-29.3% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
55.2%
+8.9% YoY-0.4% QoQ
|
-15.2% |
70.4%
-0.4% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$27,592
+11.4% YoY+1.0% QoQ
|
+$3K |
$24,918
+2.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
73% |
| CD Concentration |
27.6%
+9.7% YoY-0.2% QoQ
|
+3.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)