SUN COMMUNITY

Charter #9296 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

SUN COMMUNITY has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 3.9% in tier
  • + Wallet Share Momentum: Top 6.0% in tier
  • + Organic Growth Engine: Top 23.4% in tier
  • + Organic Growth Leader: Top 28.3% in tier
  • + ROA 0.12% above tier average
  • + Net Interest Margin 0.31% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency ratio 1.90% above tier (higher cost structure)
  • - Delinquency rate 0.66% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 53,105
+0.9% YoY+1.5% QoQ
 +990 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 52nd in tier
Assets $826.0M
+9.6% YoY+0.4% QoQ
 $-33.0M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 39th in tier
Loans $609.2M
+9.5% YoY+4.3% QoQ
 +$5.8M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 46th in tier
Deposits $731.2M
+10.0% YoY-0.1% QoQ
 $-2.9M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 54th in tier
ROA 0.8%
+18.8% YoY-15.9% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 3.7%
+6.3% YoY+1.6% QoQ
 +0.3% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 76.4%
-4.5% YoY+2.1% QoQ
 +1.9% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 1.5%
-14.8% YoY+280.3% QoQ
 +0.7 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 11.6% in tier
Loan To Share 83.3%
-0.5% YoY+4.4% QoQ
 +0.6% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $25,241
+8.8% YoY+0.3% QoQ
 $-3K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 45th in tier
CD Concentration 30.5%
-2.9% YoY+2.8% QoQ
 +6.1% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 72nd in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#109 of 1006 • Top 3.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 8.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#165 of 1006 • Top 6.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.78%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Organic Growth Engine

growth
#429 of 603 • Top 23.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.83%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#374 of 430 • Top 28.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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)

Comparing against 112 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.60%
#1 of 112 Top 0.0% in 750M-1B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 10.03%
Peer Avg: 33.64%
#5 of 112 Top 3.6% in 750M-1B tier
13
Deposit Growth Rate
growth
Value: 10.05%
Peer Avg: 5.03%
#13 of 112 Top 10.7% in 750M-1B tier
18
Asset Growth Rate
growth
Value: 9.62%
Peer Avg: 4.25%
#18 of 112 Top 15.2% in 750M-1B tier
18
AMR Growth Rate
growth
Value: 8.78%
Peer Avg: 4.90%
#18 of 112 Top 15.2% in 750M-1B tier
21
Fee Income Per Member
profitability
Value: $255.39
Peer Avg: $204.75
#21 of 112 Top 17.9% in 750M-1B tier

Top Weaknesses (2 metrics)

100
Total Delinquency Rate (60+ days)
risk
Value: 1.48%
Peer Avg: 0.82%
#100 of 112 Bottom 11.6% in 750M-1B tier
91
Net Worth Ratio
risk
Value: 9.12%
Peer Avg: 11.52%
#91 of 112 Bottom 19.6% in 750M-1B tier