BlastPoint's Credit Union Scorecard
SUNMARK
Charter #68710 · NY
SUNMARK has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 8.5% in tier
- - Stagnation Risk: Bottom 24.7% in tier
- - Membership Headwinds: Bottom 27.2% in tier
- - Institutional Decline: Bottom 28.4% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 7.01% above tier (higher cost structure)
- - Delinquency rate 0.54% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,943
-1.0% YoY-0.2% QoQ
|
-8.7K |
98,678
-1.9% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
52% |
| Assets |
$1.2B
+5.8% YoY+2.2% QoQ
|
$-510.6M |
$1.7B
+0.5% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$947.9M
-3.5% YoY-1.2% QoQ
|
$-285.2M |
$1.2B
+0.5% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$1.1B
+2.6% YoY-1.3% QoQ
|
$-397.0M |
$1.5B
+1.3% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.6%
-0.6% YoY-24.6% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
3.6%
+5.9% YoY-0.9% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
81.0%
+2.1% YoY+2.5% QoQ
|
+7.0% |
74.0%
-10.9% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
1.4%
+35.2% YoY+45.6% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 13.2% in tier |
| Loan To Share |
89.6%
-5.9% YoY+0.1% QoQ
|
+4.5% |
85.2%
-0.8% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
55% |
| AMR |
$22,294
+0.7% YoY-1.0% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
30.1%
-6.2% YoY+0.8% QoQ
|
+1.1% |
29.0%
+0.7% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
57% |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-3.0% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)