BlastPoint's Credit Union Scorecard
SUN COMMUNITY
Charter #9296 · CA
SUN COMMUNITY has 7 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.2% in tier
- + Organic Growth Engine: Top 6.2% in tier
- + Wallet Share Momentum: Top 37.0% in tier
- + Net Interest Margin 0.30% above tier average
- + Strong member growth: 7.1% YoY
- + First Mortgage Concentration (%): Top 4.5% in tier
- + Loan Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.1% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 5.71% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 3.6% in tier
- - Net Worth Ratio: Bottom 9.0% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +9.8% year over year ($803M in shares and deposits).
- Membership: 56,001 members, +7.1% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 0.25%.
- Efficiency ratio 80.25% vs a 74.54% peer average.
- Loan-to-share ratio 84.31% vs a 82.60% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
56,001
+7.1% YoY+1.7% QoQ
|
+3.5K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$895.6M
+8.9% YoY-0.1% QoQ
|
+$31.7M |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$677.3M
+15.9% YoY+2.9% QoQ
|
+$69.5M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$803.4M
+9.8% YoY-0.4% QoQ
|
+$63.5M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.3%
-74.2% YoY-44.4% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.5% in tier |
| NIM |
3.8%
+5.1% YoY+4.6% QoQ
|
+0.3% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
80.3%
+7.2% YoY+3.0% QoQ
|
+5.7% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.2%
-36.7% YoY-79.2% QoQ
|
-0.5 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 10.8% in tier |
| Loan To Share |
84.3%
+5.6% YoY+3.4% QoQ
|
+1.7% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$26,440
+5.1% YoY-0.6% QoQ
|
$-2K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
29.9%
+0.6% YoY-0.6% QoQ
|
+5.3% | 24.6% | 22.2% | 20.0% | 70% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)