SUNMARK

Charter #68710 | NY

1B-3B (304 CUs) Mid-Market (380 CUs)
13 1B-3B in NY

SUNMARK has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 26.5% in tier
  • + Relationship Depth Leader: Top 33.5% in tier
  • + Wallet Share Momentum: Top 35.9% in tier
  • + 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
 52nd in tier
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
 Bottom 22.4% in tier
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
 34th in tier
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
 26th in tier
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
 45th in tier
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
 Top 24.7% in tier
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
 Top 21.4% in tier
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
 55th in tier
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
 Bottom 16.4% in tier
CD Concentration 30.1%
-6.2% YoY+0.8% QoQ
 +1.1% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 56th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#141 of 184 • Top 26.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.62%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.99%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#243 of 264 • Top 33.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.65%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.7K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#260 of 264 • Top 35.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.65%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#39 of 217 • Bottom 5.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.36% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY

Efficiency Drag

risk
#29 of 96 • Bottom 8.5% in tier

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

Why This Signature
Efficiency Ratio: 80.98%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.00% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 CUs YoY | New qualifier

Stagnation Risk

risk
#60 of 85 • Bottom 24.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.62%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.3K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 30.11%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Membership Headwinds

decline
#66 of 85 • Bottom 27.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline
#30 of 31 • Bottom 28.4% in tier

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

Why This Signature
Total Assets: $1.21B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.99%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -3.45%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
75
Net Interest Margin (NIM)
profitability
Value: 3.64%
Peer Avg: 3.26%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (8 metrics)

271
Loan Growth Rate
growth
Value: -3.45%
Peer Avg: 5.27%
#271 of 304 Bottom 11.2% in 1B-3B tier
265
Total Delinquency Rate (60+ days)
risk
Value: 1.37%
Peer Avg: 0.83%
#265 of 304 Bottom 13.2% in 1B-3B tier
261
Net Worth Ratio
risk
Value: 9.16%
Peer Avg: 11.44%
#261 of 304 Bottom 14.5% in 1B-3B tier
254
Average Member Relationship (AMR)
engagement
Value: $22,294
Peer Avg: $29,172
#254 of 304 Bottom 16.8% in 1B-3B tier
242
Member Growth Rate
growth
Value: -0.99%
Peer Avg: 2.20%
#242 of 304 Bottom 20.7% in 1B-3B tier
240
Efficiency Ratio
profitability
Value: 80.98%
Peer Avg: 73.97%
#240 of 304 Bottom 21.4% in 1B-3B tier
236
Total Assets
balance_sheet
Value: $1.21B
Peer Avg: $1.72B
#236 of 304 Bottom 22.7% in 1B-3B tier
234
Loan-to-Member Ratio (LMR)
engagement
Value: $10,539
Peer Avg: $13,213
#234 of 304 Bottom 23.4% in 1B-3B tier