BlastPoint's Credit Union Scorecard

SUN COMMUNITY

Charter #9296 · CA

Community 750M-1B

117 CUs in 750M-1B nationally 14 in CA

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SUN COMMUNITY has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 34.6% in tier
+ Organic Growth Engine: Top 68.5% in tier
+ Organic Growth Leader: Top 83.3% in tier
+ ROA 0.02% above tier average
+ Net Interest Margin 0.32% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 4.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 70.1% in tier
- Credit Quality Pressure: Bottom 95.5% in tier
- Efficiency ratio 1.47% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	54,001 +1.1% YoY+1.7% QoQ	+1.9K	52,084 -1.6% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	55%
Assets	$850.9M +11.0% YoY+3.0% QoQ	$-13.0M	$863.9M +0.5% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	46%
Loans	$635.3M +9.5% YoY+4.3% QoQ	+$29.5M	$605.8M +1.4% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	52%
Deposits	$752.6M +11.0% YoY+2.9% QoQ	+$15.3M	$737.3M +0.1% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	64%

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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	0.8% +50.3% YoY-8.0% QoQ	+0.0%	0.7% +39.1% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	54%
NIM	3.7% +5.7% YoY+0.8% QoQ	+0.3%	3.4% +8.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	75.8% -8.1% YoY-0.8% QoQ	+1.5%	74.3% -3.6% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	48%
Delinquency Rate	1.6% +1.0% YoY+8.9% QoQ	+0.7	0.9% +3.8% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 10.3% in tier
Loan To Share	84.4% -1.4% YoY+1.3% QoQ	+1.8%	82.6% +1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	45%
AMR	$25,701 +9.1% YoY+1.8% QoQ	$-3K	$28,873 +2.7% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	47%
CD Concentration	31.4% -0.5% YoY+2.9% QoQ	+7.0%	24.4%	21.7%	19.8%	75%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#178 of 513 • Top 34.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.14%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#408 of 595 • Top 68.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.09%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.76%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#355 of 426 • Top 83.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.09%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#320 of 456 • Bottom 70.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.48%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#673 of 705 • Bottom 95.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

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 117 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 117 Top 0.0% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 10.85%

Peer Median: -

#6 of 117 Top 4.3% in 750M-1B tier

Deposit Growth Rate

growth

Value: 11.05%

Peer Median: -

#18 of 117 Top 14.5% in 750M-1B tier

AMR Growth Rate

growth

Value: 9.14%

Peer Median: -

#18 of 117 Top 14.5% in 750M-1B tier

Asset Growth Rate

growth

Value: 11.01%

Peer Median: -

#19 of 117 Top 15.4% in 750M-1B tier

Fee Income Per Member

profitability

Value: $247.79

Peer Median: -

#27 of 117 Top 22.2% in 750M-1B tier

Top Weaknesses (2 metrics)

106

Total Delinquency Rate (60+ days)

risk

Value: 1.61%

Peer Median: -

#106 of 117 Bottom 10.3% in 750M-1B tier

Net Worth Ratio

risk

Value: 8.97%

Peer Median: -

#99 of 117 Bottom 16.2% in 750M-1B tier