SUNLIGHT

Charter #8733 | WY

100M-500M (1077 CUs) Micro
7 100M-500M in WY

SUNLIGHT has 5 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 17.5% in tier
  • + Wallet Share Momentum: Top 26.8% in tier
  • + Emerging Performer: Top 31.9% in tier
  • + Average Member Relationship (AMR): Top 6.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.1% in tier
  • - Membership Headwinds: Bottom 16.7% in tier
  • - Efficiency Drag: Bottom 18.1% in tier
  • - Institutional Decline: Bottom 20.3% in tier
  • - Stagnation Risk: Bottom 21.7% in tier
  • - ROA 0.74% below tier average
  • - Efficiency ratio 7.75% above tier (higher cost structure)
  • - Member decline: -2.5% YoY
  • - Members Per Employee (MPE): Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 8,757
-2.5% YoY-0.6% QoQ
 -6.9K 15,628
-3.4% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 Bottom 21.2% in tier
Assets $218.1M
+3.0% YoY+0.2% QoQ
 $-13.2M $231.3M
-0.0% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $144.6M
-3.0% YoY-1.7% QoQ
 $-3.2M $147.8M
-1.4% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $193.3M
+2.8% YoY+0.2% QoQ
 $-7.0M $200.3M
-0.0% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.0%
-83.6% YoY-71.1% QoQ
 -0.7% 0.8%
+15.5% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 Bottom 8.1% in tier
NIM 3.3%
-8.9% YoY+2.3% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 35th in tier
Efficiency Ratio 85.0%
+19.3% YoY+4.0% QoQ
 +7.7% 77.3%
-3.0% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 Top 23.3% in tier
Delinquency Rate 0.8%
+121.5% YoY-79.8% QoQ
 -0.1 0.9%
+7.6% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 74.8%
-5.6% YoY-1.9% QoQ
 +2.1% 72.7%
-1.5% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $38,587
+2.9% YoY+0.0% QoQ
 +$14K $24,363
+2.9% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 Top 6.4% in tier
CD Concentration 30.6%
-0.4% YoY-2.1% QoQ
 +6.2% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.1%
-77.5% YoY-36.4% QoQ
 -13.9% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#483 of 1006 • Top 17.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#739 of 1006 • Top 26.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#598 of 627 • Top 31.9% in tier

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

Why This Signature
Return on Assets: 0.05%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.51%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk
#176 of 736 • Bottom 7.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.42% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#275 of 550 • Bottom 16.7% in tier

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

Why This Signature
Member Growth (YoY): -2.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#320 of 521 • Bottom 18.1% in tier

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

Why This Signature
Efficiency Ratio: 85.02%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.25% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Institutional Decline

decline
#161 of 256 • Bottom 20.3% in tier

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

Why This Signature
Total Assets: $218.09M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.96%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#358 of 550 • Bottom 21.7% 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: 0.05%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.51%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $38.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 30.59%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (2 metrics)

69
Average Member Relationship (AMR)
engagement
Value: $38,587
Peer Avg: $24,363
#69 of 1077 Top 6.3% in 100M-500M tier
77
Loan-to-Member Ratio (LMR)
engagement
Value: $16,510
Peer Avg: $10,245
#77 of 1077 Top 7.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1044
Members Per Employee (MPE)
engagement
Value: 190.370
Peer Avg: 332.881
#1044 of 1077 Bottom 3.2% in 100M-500M tier
990
Return on Assets (ROA)
profitability
Value: 0.05%
Peer Avg: 0.79%
#990 of 1077 Bottom 8.2% in 100M-500M tier
916
Net Charge-Off Rate
risk
Value: 0.81%
Peer Avg: 0.47%
#916 of 1077 Bottom 15.0% in 100M-500M tier
855
Loan Growth Rate
growth
Value: -2.96%
Peer Avg: 3.45%
#855 of 1077 Bottom 20.7% in 100M-500M tier
849
Total Members
engagement
Value: 8,757
Peer Avg: 15,628
#849 of 1077 Bottom 21.3% in 100M-500M tier
845
Member Growth Rate
growth
Value: -2.51%
Peer Avg: 0.72%
#845 of 1077 Bottom 21.6% in 100M-500M tier
827
Efficiency Ratio
profitability
Value: 85.02%
Peer Avg: 77.28%
#827 of 1077 Bottom 23.3% in 100M-500M tier