BlastPoint's Credit Union Scorecard
SUN COMMUNITY
Charter #9296 · CA
SUN COMMUNITY has 7 strengths but faces 2 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 Engine: Top 23.4% in tier
- + Organic Growth Leader: Top 28.3% in tier
- + Wallet Share Momentum: Top 34.2% 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
|
52% |
| 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
|
39% |
| 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
|
46% |
| 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
|
54% |
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| 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
|
62% |
| 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
|
68% |
| 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
|
48% |
| 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
|
40% |
| 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
|
45% |
| 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
|
72% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)