BlastPoint's Credit Union Scorecard
SUNLIGHT
Charter #8733 · WY
SUNLIGHT has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.33% above tier average
- + Average Member Relationship (AMR): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency ratio 23.44% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Wyoming.
- Shares and deposits -1.9% year over year ($189M in shares and deposits).
- Membership: 8,472 members, -3.9% vs a year ago.
- Delinquency rate 7.34%.
- Return on assets 3.19%.
- Efficiency ratio 100.17% vs a 76.73% peer average.
- Loan-to-share ratio 69.48% vs a 71.54% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,472
-3.9% YoY-1.5% QoQ
|
-6.7K |
15,168
-2.6% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$210.6M
-3.3% YoY-2.9% QoQ
|
$-21.4M |
$232.0M
+0.7% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$131.5M
-10.6% YoY-1.9% QoQ
|
$-14.7M |
$146.3M
+0.2% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$189.3M
-1.9% YoY-1.3% QoQ
|
$-11.4M |
$200.7M
+0.2% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
3.2%
+1820.2% YoY-3690.2% QoQ
|
+2.3% |
0.9%
+12.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
Top 0.3% in tier |
| NIM |
3.1%
-6.1% YoY+2.6% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
100.2%
+22.5% YoY-2.1% QoQ
|
+23.4% |
76.7%
-0.8% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.9% in tier |
| Delinquency Rate |
7.3%
+92.0% YoY+214.1% QoQ
|
+6.5 |
0.9%
+6.6% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.1% in tier |
| Loan To Share |
69.5%
-8.8% YoY-0.6% QoQ
|
-2.1% |
71.5%
-0.3% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$37,867
-1.8% YoY-0.1% QoQ
|
+$13K |
$25,107
+3.2% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 7.6% in tier |
| CD Concentration |
25.8%
-17.4% YoY-5.4% QoQ
|
+1.3% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-78.5% YoY
|
-13.6% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)