BlastPoint's Credit Union Scorecard

SUN

Charter #7064 · OH

Community 500M-750M

167 CUs in 500M-750M nationally 7 in OH

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SUN has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 17.4% in tier
+ Organic Growth Engine: Top 17.4% in tier
+ Fee Income Per Member: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.1% in tier
- Efficiency Drag: Bottom 31.5% in tier
- Credit Risk Growth: Bottom 55.8% in tier
- Shrinking Wallet Share: Bottom 84.1% in tier
- ROA 0.06% below tier average
- Efficiency ratio 5.19% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- First Mortgage Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	35,652 +3.6% YoY+0.2% QoQ	-2.4K	38,079 -4.8% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	43%
Assets	$671.0M +1.0% YoY-1.0% QoQ	+$51.3M	$619.7M -0.2% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	71%
Loans	$513.7M +2.2% YoY-0.8% QoQ	+$94.4M	$419.3M -1.4% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	83%
Deposits	$590.5M +3.2% YoY+2.3% QoQ	+$51.0M	$539.5M -0.1% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +55.8% YoY+35.9% QoQ	-0.1%	0.7% +36.0% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	53%
NIM	3.3% +8.3% YoY+4.0% QoQ	-0.2%	3.5% +4.5% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	83.6% -3.1% YoY-1.7% QoQ	+5.2%	78.4% -3.7% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.9% +54.4% YoY-29.4% QoQ	+0.2	0.7% -0.9% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	72%
Loan To Share	87.0% -1.0% YoY-3.1% QoQ	+9.3%	77.7% -1.2% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	74%
AMR	$30,973 -0.8% YoY+0.6% QoQ	+$4K	$26,927 +3.1% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	77%
CD Concentration	27.2% +6.8% YoY+3.2% QoQ	+2.9%	24.3%	19.4%	19.8%	62%
Indirect Auto %	4.7% +1.8% YoY+1.0% QoQ	-9.1%	13.8%	11.4%	7.7%	44%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#130 of 371 • Top 17.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 4.66%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#217 of 352 • Top 17.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.63%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 4.66%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#215 of 727 • Bottom 16.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#277 of 476 • Bottom 55.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.24%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#460 of 596 • Bottom 31.5% in tier

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

Why This Signature

Efficiency Ratio: 83.57%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 3.62%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#213 of 238 • Bottom 84.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.82%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 284 Community CUs have this signature | 335 nationally

↓ Shrinking -109 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $372.11

Peer Median: $178.80

#8 of 167 Top 4.2% in 500M-750M tier

Member Growth Rate

growth

Value: 3.62%

Peer Median: 1.03%

#27 of 167 Top 15.6% in 500M-750M tier

Total Loans

balance_sheet

Value: $513.73M

Peer Median: $427.27M

#29 of 167 Top 16.8% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,410

Peer Median: $11,231

#31 of 167 Top 18.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,973

Peer Median: $25,600

#39 of 167 Top 22.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $590.53M

Peer Median: $543.36M

#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (4 metrics)

152

First Mortgage Concentration (%)

balance_sheet

Value: 54.55%

Peer Median: 32.87%

#152 of 167 Bottom 9.6% in 500M-750M tier

142

Members Per Employee (MPE)

engagement

Value: 249.315

Peer Median: 318.730

#142 of 167 Bottom 15.6% in 500M-750M tier

141

AMR Growth Rate

growth

Value: -0.82%

Peer Median: 4.03%

#141 of 167 Bottom 16.2% in 500M-750M tier

129

Asset Growth Rate

growth

Value: 1.03%

Peer Median: 4.66%

#129 of 167 Bottom 23.4% in 500M-750M tier