Sun Pacific

Richmond, CA · 1 · Charter #5359 · www.sunpacific.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$29.3M
76th percentile
Members
1,551
53th percentile
Total loans
$11.3M
70th percentile
Total shares
$24.5M
76th percentile

Profitability

Return on assets
0.84%
52th percentile
Net interest margin
4.53%
70th percentile
Efficiency ratio
58.13%
70th percentile
Non-interest income ratio
5.23%
35th percentile

Capital & Risk

Net worth ratio
20.42%
75th percentile
Delinquency rate
0.95%
43th percentile
Net charge-off rate
1.01%
17th percentile
Loan-to-share
46.23%
29th percentile

Growth

Member growth YoY
-2.88%
34th percentile
Asset growth YoY
2.36%
58th percentile
Loan growth YoY
-2.05%
54th percentile
Share growth YoY
3.88%
69th percentile

Operations

Members / branch
517
24th percentile
Assets / member
$18,910
94th percentile
Field of membership penetration
12.93%
26th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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