BlastPoint's Credit Union Scorecard
SUNMARK
Charter #68710 · NY
SUNMARK has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.8% in tier
- - Efficiency Drag: Bottom 21.4% in tier
- - Stagnation Risk: Bottom 81.6% in tier
- - Membership Headwinds: Bottom 81.6% in tier
- - Institutional Decline: Bottom 82.8% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 6.82% above tier (higher cost structure)
- - Delinquency rate 0.66% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
88,531
-1.4% YoY+0.4% QoQ
|
-7.5K |
96,048
-2.7% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$1.2B
+2.4% YoY+0.8% QoQ
|
$-518.5M |
$1.7B
+0.4% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$920.7M
-5.1% YoY-1.6% QoQ
|
$-293.0M |
$1.2B
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$1.1B
+2.7% YoY+1.2% QoQ
|
$-380.7M |
$1.5B
+0.5% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
0.6%
-16.5% YoY+134.2% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.9%
+6.9% YoY+5.6% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
81.5%
+0.6% YoY-5.6% QoQ
|
+6.8% |
74.6%
-3.0% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
1.4%
+56.9% YoY-9.0% QoQ
|
+0.7 |
0.8%
+6.9% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
84.9%
-7.6% YoY-2.8% QoQ
|
+1.7% |
83.2%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$22,654
+0.3% YoY-0.5% QoQ
|
$-7K |
$29,652
+2.3% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
28.1%
-6.3% YoY-3.8% QoQ
|
-0.7% | 28.8% | 16.4% | 19.8% | 49% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 2.6% | 7.7% | Top 0.1% 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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)