BlastPoint's Credit Union Scorecard
SUNMARK
Charter #68710 · NY
SUNMARK has 1 strength but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does NY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.1% in tier
- - Stagnation Risk: Bottom 79.8% in tier
- - Membership Headwinds: Bottom 79.8% in tier
- - Institutional Decline: Bottom 82.1% in tier
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Loan Growth Rate: Bottom 6.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 12 that size in New York.
- Shares and deposits +1.9% year over year ($1.09B in shares and deposits).
- Membership: 89,171 members, -1.1% vs a year ago.
- Delinquency rate 1.37%.
- Return on assets 0.81%.
- Efficiency ratio 78.74% vs a 73.02% peer average.
- Loan-to-share ratio 85.07% vs a 84.71% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,171
-1.1% YoY+0.7% QoQ
|
-7.7K |
96,861
-1.9% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$1.2B
+2.3% YoY+0.7% QoQ
|
$-514.7M |
$1.7B
+0.4% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$929.1M
-3.2% YoY+0.9% QoQ
|
$-305.2M |
$1.2B
+0.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$1.1B
+1.9% YoY+0.7% QoQ
|
$-371.2M |
$1.5B
+0.5% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.8%
-1.3% YoY+26.9% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
3.9%
+7.1% YoY+1.3% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
78.7%
-0.3% YoY-3.3% QoQ
|
+5.7% |
73.0%
-2.7% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
1.4%
+45.3% YoY-3.7% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
85.1%
-5.0% YoY+0.2% QoQ
|
+0.4% |
84.7%
+0.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$22,666
+0.6% YoY+0.1% QoQ
|
$-7K |
$29,575
+1.5% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
27.4%
-8.2% YoY-2.5% QoQ
|
-1.7% | 29.1% | 16.4% | 20.0% | 44% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.7% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)