| Metric | Sun Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.1% | +0.8 pts |
| Share growth (YoY) | +4.3% | +3.5% | +0.8 pts |
| Loan growth (YoY) | +20.9% | +2.9% | +18.1 pts |
| ROA | 1.23% | 0.74% | +0.5 pts |
| ROE | 11.1% | 6.5% | +4.7 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.8M | $114.1M | $65.6M | $14.2M | $790K | 1.23% | 4.21% | 0.60% | 6,435 |
| Q1 2026 | $129.1M | $114.7M | $63.3M | $13.8M | $406K | 1.26% | 4.14% | 0.41% | 6,454 |
| Q4 2025 | $127.2M | $113.3M | $62.8M | $13.4M | $1.4M | 1.06% | 3.82% | 0.58% | 6,447 |
| Q3 2025 | $125.9M | $112.4M | $60.8M | $13.0M | $924K | 0.98% | 3.75% | 0.42% | 6,451 |
| Q2 2025 | $122.8M | $109.4M | $54.3M | $12.7M | $672K | 1.09% | 3.73% | 0.51% | 6,462 |
| Q1 2025 | $119.9M | $106.9M | $54.2M | $12.3M | $302K | 1.01% | 3.72% | 0.22% | 6,509 |
| Q4 2024 | $119.4M | $106.8M | $54.1M | $12.0M | $941K | 0.79% | 3.30% | 0.32% | 6,516 |
| Q3 2024 | $119.6M | $107.2M | $51.4M | $11.7M | $629K | 0.70% | 3.18% |
| Ratio | Sun Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.74% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 6.5% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 6,541 |
| Q2 2024 | $118.0M | $106.3M | $50.6M | $11.5M | $370K | 0.63% | 3.07% | 0.25% | 6,569 |
Loan mix (Q2 2026): real estate $20.9M · commercial $0 · consumer $44.4M · securities $40.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 77.5% | 20th |
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% |
| Ratio | Sun Credit Union | 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% |
| Ratio | Sun Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Sun Credit Union | 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% |
| Ratio | Sun Credit Union | 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% |
| Ratio | Sun Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Broward, FL, ranked 53rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Broward, FL | 2 | $76.1M* | 0.10% | 53rd |
| Miami-Dade, FL | 1 | $38.0M* | 0.02% | 71st |
Florida: 228th with 0.01% · Miami-Fort Lauderdale-West Palm Beach metro: 88th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3