BlastPoint's Credit Union Scorecard
SUN
Charter #7064 · OH
SUN has 2 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does OH stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 53.9% in tier
- + Fee Income Per Member: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.6% in tier
- - Credit Risk Growth: Bottom 10.4% in tier
- - Efficiency Drag: Bottom 12.7% in tier
- - Stagnation Risk: Bottom 20.3% in tier
- - Membership Headwinds: Bottom 26.1% in tier
- - Liquidity Strain: Bottom 29.5% in tier
- - Flatlined Growth: Bottom 34.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 5.61% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,341
-1.3% YoY-0.2% QoQ
|
-5.4K |
39,752
-2.7% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$670.1M
+2.0% YoY-0.3% QoQ
|
+$47.7M |
$622.4M
+0.3% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$513.3M
+3.7% YoY+0.5% QoQ
|
+$77.4M |
$435.9M
-0.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$563.9M
+2.9% YoY-1.1% QoQ
|
+$25.8M |
$538.0M
+1.3% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.5%
+31.6% YoY+7.8% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
3.1%
+7.8% YoY+1.3% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
83.7%
-3.4% YoY-1.2% QoQ
|
+5.6% |
78.1%
-3.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
1.3%
+65.7% YoY+25.0% QoQ
|
+0.5 |
0.8%
-4.9% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
91.0%
+0.8% YoY+1.7% QoQ
|
+10.0% |
81.0%
-1.8% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$31,367
+4.7% YoY-0.1% QoQ
|
+$5K |
$26,482
+2.6% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
26.7%
+7.6% YoY+2.6% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
58% |
| Indirect Auto % |
4.6%
+0.1% YoY-0.1% QoQ
|
-9.3% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
44% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)