BlastPoint's Credit Union Scorecard

SUN

Charter #67332 · FL

1069 CUs in 100M-500M nationally 35 in FL

SUN has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 24.6% in tier
+ ROA 0.30% above tier average
+ Net Interest Margin 0.24% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 5.4% in tier
+ Loan Growth Rate: Top 6.4% in tier
+ AMR Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.3% in tier
- Credit Quality Pressure: Bottom 40.8% in tier
- Membership Headwinds: Bottom 85.7% in tier
- Stagnation Risk: Bottom 96.9% in tier
- Total Members: Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	6,447 -1.1% YoY-0.1% QoQ	-9.0K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	Bottom 7.7% in tier
Assets	$127.2M +6.5% YoY+1.0% QoQ	$-104.7M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	18%
Loans	$62.8M +16.0% YoY+3.3% QoQ	$-84.6M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	Bottom 11.2% in tier
Deposits	$113.3M +6.0% YoY+0.8% QoQ	$-87.5M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	20%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.1% +35.5% YoY+7.7% QoQ	+0.3%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	72%
NIM	3.8% +16.4% YoY+1.3% QoQ	+0.2%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	64%
Efficiency Ratio	69.9% -5.4% YoY-1.8% QoQ	-7.2%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	25%
Delinquency Rate	0.6% +81.6% YoY+37.7% QoQ	-0.3	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	40%
Loan To Share	55.4% +9.4% YoY+2.5% QoQ	-16.8%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	16%
AMR	$27,306 +10.5% YoY+1.7% QoQ	+$3K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	73%
CD Concentration	27.6% +8.1% YoY+1.8% QoQ	+3.2%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#127 of 513 • Top 24.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.54%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#57 of 456 • Bottom 12.3% in tier

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

Why This Signature

Loan Growth (YoY): 15.95%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#288 of 705 • Bottom 40.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Membership Headwinds

decline

#475 of 554 • Bottom 85.7% in tier

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

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#537 of 554 • Bottom 96.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.06%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 15.95%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.58%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.83%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.95%

Peer Median: -

#69 of 1069 Top 6.4% in 100M-500M tier

101

AMR Growth Rate

growth

Value: 10.54%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

Top Weaknesses (5 metrics)

986

Total Members

engagement

Value: 6,447

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

949

Total Loans

balance_sheet

Value: $62.77M

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

894

Loan-to-Share Ratio

balance_sheet

Value: 55.41%

Peer Median: -

#894 of 1069 Bottom 16.5% in 100M-500M tier

878

Total Assets

balance_sheet

Value: $127.21M

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

852

Total Deposits

balance_sheet

Value: $113.28M

Peer Median: -

#852 of 1069 Bottom 20.4% in 100M-500M tier