BlastPoint's Credit Union Scorecard
SUN
Charter #67332 · FL
SUN has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 0.52% above tier average
- + Loan Growth Rate: Top 2.7% in tier
- + AMR Growth Rate: Top 9.3% 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
- - Total Members: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +4.3% year over year ($114M in shares and deposits).
- Membership: 6,435 members, -0.4% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 1.22%.
- Efficiency ratio 67.25% vs a 76.73% peer average.
- Loan-to-share ratio 57.49% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,435
-0.4% YoY-0.3% QoQ
|
-8.7K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
Bottom 8.8% in tier |
| Assets |
$128.8M
+4.9% YoY-0.2% QoQ
|
$-103.2M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$65.6M
+20.9% YoY+3.6% QoQ
|
$-80.6M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.2% in tier |
| Deposits |
$114.1M
+4.3% YoY-0.5% QoQ
|
$-86.6M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
1.2%
+10.5% YoY-2.6% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
4.2%
+11.3% YoY+1.5% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
67.3%
-6.6% YoY-0.7% QoQ
|
-9.5% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.6%
+18.4% YoY+47.3% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
57.5%
+15.9% YoY+4.2% QoQ
|
-14.1% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$27,933
+10.3% YoY+1.2% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
27.1%
+7.0% YoY-1.7% QoQ
|
+2.5% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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 (2)
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.
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)