BlastPoint's Credit Union Scorecard
SUNLIGHT
Charter #8733 · WY
SUNLIGHT has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 6.8% in tier
- + Loan-to-Member Ratio (LMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.3% in tier
- - Stagnation Risk: Bottom 27.3% in tier
- - Efficiency Drag: Bottom 42.8% in tier
- - Institutional Decline: Bottom 43.1% in tier
- - Membership Headwinds: Bottom 58.6% in tier
- - Accelerating Exit Risk: Bottom 70.9% in tier
- - Shrinking Wallet Share: Bottom 91.3% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 10.62% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,704
-2.2% YoY-0.6% QoQ
|
-6.7K |
15,437
-2.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$217.5M
+0.4% YoY-0.2% QoQ
|
$-14.3M |
$231.9M
+1.3% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$138.3M
-7.0% YoY-4.4% QoQ
|
$-9.1M |
$147.3M
-0.1% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$192.4M
+0.1% YoY-0.5% QoQ
|
$-8.4M |
$200.8M
+0.8% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
0.1%
-77.3% YoY+78.5% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.4% in tier |
| NIM |
3.3%
-10.3% YoY-2.7% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
87.6%
+21.1% YoY+3.1% QoQ
|
+10.6% |
77.0%
-3.1% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
Top 14.8% in tier |
| Delinquency Rate |
0.9%
+110.6% YoY+13.2% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
71.9%
-7.0% YoY-3.9% QoQ
|
-0.4% |
72.2%
-1.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$37,988
-0.8% YoY-1.6% QoQ
|
+$13K |
$24,676
+3.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.9% in tier |
| CD Concentration |
28.8%
-7.3% YoY-5.9% QoQ
|
+4.4% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-78.9% YoY-28.7% QoQ
|
-13.7% | 13.8% | 19.3% | 7.8% | 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.
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.
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)