Sun East Federal Credit Union
Total assets
$915.6M
▲ +6.9% YoY
Shares & deposits
$837.6M
▲ +6.8% YoY
Loans
$725.9M
▼ -0.5% YoY
Members
48,572
▼ -3.7% YoY
ROA (annualized)
0.47%
peers 0.62%
ROE (annualized)
5.62%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.8% | +2.1 pts |
| Share growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | -0.6% | +4.3% | -4.9 pts |
| ROA | 0.47% | 0.62% | -0.2 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 4500 Pennell Rd, Aston, PA, 19014
- NCUA charter #
- 6160
- RSSD ID
- 897684
- 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 | $915.6M | $837.6M | $725.9M | $76.1M | $1.1M | 0.47% | 3.28% | 1.32% | 48,572 |
| Q4 2025 | $907.2M | $825.5M | $722.4M | $75.0M | $4.4M | 0.49% | 3.27% | 0.95% | 48,861 |
| Q3 2025 | $861.4M | $782.2M | $727.7M | $74.5M | $3.2M | 0.49% | 3.43% | 0.94% | 49,610 |
| Q2 2025 | $852.5M | $775.1M | $733.9M | $73.2M | $1.8M | 0.43% | 3.39% | 1.07% | 50,171 |
| Q1 2025 | $856.9M | $784.2M | $729.9M | $72.3M | $975K | 0.46% | 3.22% | 1.10% | 50,429 |
| Q4 2024 | $836.7M | $760.7M | $713.7M | $71.3M | $98K | 0.01% | 3.14% | 1.35% | 50,396 |
| Q3 2024 | $815.4M | $741.8M | $715.5M | $72.0M | $-23K | -0.00% | 3.17% | 2.43% | 50,903 |
| Q2 2024 | $835.6M | $762.9M | $714.2M | $71.6M | $-390K | -0.09% | 3.09% | 1.93% | 51,292 |
Loan mix (Q1 2026): real estate $325.2M · commercial $173.2M · consumer $189.4M · securities $36.1M
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 | 0.47% | 0.62% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.48% | 36th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.3% | 57th | |
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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