BlastPoint's Credit Union Scorecard

SUNMARK

Charter #68710 · NY

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 13 in NY

View Mid-Market leaderboard →

SUNMARK has 2 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.40% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.4% in tier
- Efficiency Drag: Bottom 19.1% in tier
- Stagnation Risk: Bottom 40.5% in tier
- Membership Headwinds: Bottom 85.7% in tier
- Institutional Decline: Bottom 96.5% in tier
- ROA 0.41% below tier average
- Efficiency ratio 12.20% above tier (higher cost structure)
- Delinquency rate 0.66% above tier average
- Loan Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	88,205 -1.2% YoY-1.9% QoQ	-9.2K	97,431 -2.4% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	51%
Assets	$1.2B +4.1% YoY-1.4% QoQ	$-531.9M	$1.7B +0.9% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	21%
Loans	$935.9M -4.1% YoY-1.3% QoQ	$-298.5M	$1.2B +0.5% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	30%
Deposits	$1.1B +3.7% YoY+1.3% QoQ	$-387.8M	$1.5B +0.9% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	26%

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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	0.3% -46.1% YoY-55.9% QoQ	-0.4%	0.7% +20.9% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	Bottom 14.2% in tier
NIM	3.7% +5.3% YoY+1.0% QoQ	+0.4%	3.3% +9.2% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	77%
Efficiency Ratio	86.3% +6.5% YoY+6.5% QoQ	+12.2%	74.1% -9.5% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	Top 7.3% in tier
Delinquency Rate	1.6% +42.9% YoY+13.9% QoQ	+0.7	0.9% +6.2% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	Top 11.9% in tier
Loan To Share	87.4% -7.5% YoY-2.6% QoQ	+2.6%	84.8% -0.8% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	51%
AMR	$22,759 +1.1% YoY+2.1% QoQ	$-7K	$29,428 +2.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	18%
CD Concentration	29.2% -7.2% YoY-2.9% QoQ	+0.2%	29.0%	16.3%	19.8%	53%
Indirect Auto %	0.0%	-18.3%	18.3%	2.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#25 of 211 • Bottom 11.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.47% points

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

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Efficiency Drag

risk

#18 of 90 • Bottom 19.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.26%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.18%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Stagnation Risk

risk

#35 of 85 • Bottom 40.5% 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): -1.18%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.05%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.56%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#73 of 85 • 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): -1.18%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline

#29 of 30 • Bottom 96.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.19B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.18%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.05%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 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 302 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.68%

Peer Median: -

#70 of 302 Top 22.8% in 1B-3B tier

Top Weaknesses (9 metrics)

281

Efficiency Ratio

profitability

Value: 86.26%

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

279

Loan Growth Rate

growth

Value: -4.05%

Peer Median: -

#279 of 302 Bottom 7.9% in 1B-3B tier

267

Total Delinquency Rate (60+ days)

risk

Value: 1.56%

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

260

Net Worth Ratio

risk

Value: 9.08%

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier

259

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

248

Average Member Relationship (AMR)

engagement

Value: $22,759

Peer Median: -

#248 of 302 Bottom 18.2% in 1B-3B tier

239

Total Assets

balance_sheet

Value: $1.19B

Peer Median: -

#239 of 302 Bottom 21.2% in 1B-3B tier

237

Loan-to-Member Ratio (LMR)

engagement

Value: $10,611

Peer Median: -

#237 of 302 Bottom 21.9% in 1B-3B tier

235

Member Growth Rate

growth

Value: -1.18%

Peer Median: -

#235 of 302 Bottom 22.5% in 1B-3B tier