BlastPoint's Credit Union Scorecard
SUN
Charter #7064 · OH
SUN has 3 strengths but faces 6 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
- + Organic Growth Leader: Top 15.0% in tier
- + Organic Growth Engine: Top 15.0% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 32.4% in tier
- - Flatlined Growth: Bottom 79.9% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 5.77% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - First Mortgage Concentration (%): Bottom 9.7% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 7 that size in Ohio.
- Shares and deposits +5.4% year over year ($601M in shares and deposits).
- Membership: 35,724 members, +3.8% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.68%.
- Efficiency ratio 82.33% vs a 76.56% peer average.
- Loan-to-share ratio 86.15% vs a 79.33% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,724
+3.8% YoY+0.2% QoQ
|
-2.2K |
37,897
-5.0% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$675.9M
+0.6% YoY+0.7% QoQ
|
+$53.5M |
$622.4M
+0.6% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$517.9M
+1.4% YoY+0.8% QoQ
|
+$89.4M |
$428.5M
-0.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$601.1M
+5.4% YoY+1.8% QoQ
|
+$61.3M |
$539.8M
+0.9% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.7%
+37.7% YoY+7.2% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
3.4%
+8.7% YoY+2.0% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
82.3%
-2.9% YoY-1.5% QoQ
|
+5.8% |
76.6%
-3.6% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.0%
-0.5% YoY+13.6% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
86.2%
-3.7% YoY-1.0% QoQ
|
+6.8% |
79.3%
-1.4% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$31,322
-0.3% YoY+1.1% QoQ
|
+$4K |
$27,294
+4.1% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
26.9%
+3.4% YoY-1.1% QoQ
|
+2.3% | 24.6% | 19.2% | 20.0% | 60% |
| Indirect Auto % |
4.7%
+0.6% YoY+0.4% QoQ
|
-8.9% | 13.6% | 11.9% | 7.7% | 45% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)