BlastPoint's Credit Union Scorecard

SUNLIGHT

Charter #8733 · WY

1077 CUs in 100M-500M nationally 7 in WY

SUNLIGHT has 3 strengths but faces 9 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 74.2% 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	21%
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	56%
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	58%
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	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	35%
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	77%
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	57%
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	51%
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	50%
Indirect Auto %	0.1% -77.5% YoY-36.4% QoQ	-13.9%	14.0% -5.7% YoY	19.6% +0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#191 of 257 • Top 74.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY

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: $331.87M, 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: 3.65%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.51%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.96%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.85%, National: 1.23%)

but better 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

Average Member Relationship (AMR)

engagement

Value: $38,587

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,510

Peer Avg: -

#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: -

#1044 of 1077 Bottom 3.2% in 100M-500M tier

990

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Avg: -

#990 of 1077 Bottom 8.2% in 100M-500M tier

916

Net Charge-Off Rate

risk

Value: 0.81%

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

855

Loan Growth Rate

growth

Value: -2.96%

Peer Avg: -

#855 of 1077 Bottom 20.7% in 100M-500M tier

849

Total Members

engagement

Value: 8,757

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier

845

Member Growth Rate

growth

Value: -2.51%

Peer Avg: -

#845 of 1077 Bottom 21.6% in 100M-500M tier

827

Efficiency Ratio

profitability

Value: 85.02%

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier