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
- + Average Member Relationship (AMR): Top 7.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.82% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,599
-2.4% YoY-1.2% QoQ
|
-6.5K |
15,145
-2.5% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$216.9M
+0.4% YoY-0.3% QoQ
|
$-14.8M |
$231.7M
+0.8% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$134.1M
-10.0% YoY-3.0% QoQ
|
$-10.1M |
$144.1M
+0.2% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$191.8M
+0.1% YoY-0.3% QoQ
|
$-9.3M |
$201.1M
+0.4% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
-0.1%
-152.1% YoY-203.7% QoQ
|
-0.8% |
0.7%
+5.1% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.4% in tier |
| NIM |
3.0%
-12.1% YoY-8.0% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
102.4%
+33.1% YoY+16.8% QoQ
|
+24.3% |
78.0%
-1.7% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
2.3%
+45.4% YoY+167.5% QoQ
|
+1.6 |
0.8%
+7.1% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
69.9%
-10.1% YoY-2.7% QoQ
|
-0.5% |
70.4%
-0.4% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$37,895
-1.9% YoY-0.2% QoQ
|
+$13K |
$24,918
+2.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
Top 7.5% in tier |
| CD Concentration |
27.3%
-3.9% YoY-5.3% QoQ
|
+3.0% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-80.1% YoY-34.3% QoQ
|
-13.8% | 13.8% | 19.3% | 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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)