Sun Community Federal Credit Union
Total assets
$896.5M
▲ +9.3% YoY
Shares & deposits
$806.8M
▲ +10.4% YoY
Loans
$658.0M
▲ +12.0% YoY
Members
55,062
▲ +6.7% YoY
ROA (annualized)
0.46%
peers 0.62%
ROE (annualized)
5.29%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.8% | +4.5 pts |
| Share growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| Loan growth (YoY) | +12.0% | +4.3% | +7.6 pts |
| ROA | 0.46% | 0.62% | -0.2 pts |
| ROE | 5.3% | 5.9% | -0.6 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1068 Broadway Ave, El Centro, CA, 92243
- NCUA charter #
- 9296
- RSSD ID
- 348485
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $896.5M | $806.8M | $658.0M | $77.4M | $1.0M | 0.46% | 3.65% | 1.19% | 55,062 |
| Q4 2025 | $850.9M | $752.6M | $635.3M | $76.3M | $6.4M | 0.75% | 3.66% | 1.61% | 54,001 |
| Q3 2025 | $826.0M | $731.2M | $609.2M | $75.3M | $5.1M | 0.83% | 3.68% | 1.48% | 53,105 |
| Q2 2025 | $822.7M | $731.9M | $584.3M | $74.3M | $4.0M | 0.98% | 3.62% | 0.39% | 52,309 |
| Q1 2025 | $820.5M | $730.9M | $587.7M | $71.3M | $1.1M | 0.53% | 3.49% | 1.33% | 51,584 |
| Q4 2024 | $766.5M | $677.7M | $580.3M | $70.2M | $3.9M | 0.50% | 3.49% | 1.60% | 53,421 |
| Q3 2024 | $753.5M | $664.5M | $556.6M | $70.6M | $4.0M | 0.70% | 3.49% | 1.74% | 52,624 |
| Q2 2024 | $764.2M | $662.7M | $529.2M | $69.4M | $2.8M | 0.73% | 3.47% | 1.53% | 51,931 |
Loan mix (Q1 2026): real estate $121.1M · commercial $314.1M · consumer $214.0M · securities $91.7M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.62% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 5.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.48% | 66th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.9% | 78.3% | 49th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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