BlastPoint's Credit Union Scorecard

SUN

Charter #67332 · FL

1077 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 20.4% 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

- Credit Risk Growth: 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	18%
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	19%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	65%
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	62%
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	28%
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	29%
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	73%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#99 of 481 • Top 20.4% in tier

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

Why This Signature

AMR Growth (YoY): 10.72%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

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: 3.65%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.38%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 18.27%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.27%

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 3.85%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.72%

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

Top Weaknesses (5 metrics)

999

Total Members

engagement

Value: 6,451

Peer Avg: -

#999 of 1077 Bottom 7.3% in 100M-500M tier

968

Total Loans

balance_sheet

Value: $60.77M

Peer Avg: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

929

Loan-to-Share Ratio

balance_sheet

Value: 54.08%

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier

886

Total Assets

balance_sheet

Value: $125.91M

Peer Avg: -

#886 of 1077 Bottom 17.8% in 100M-500M tier

868

Total Deposits

balance_sheet

Value: $112.37M

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier