Sunlight

CODY, WY · 1 · Charter #8733 · www.sunlightfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$217.5M
93th percentile
Members
8,704
59th percentile
Total loans
$138.3M
92th percentile
Total shares
$167.0M
88th percentile

Profitability

Return on assets
0.47%
15th percentile
Net interest margin
3.26%
29th percentile
Efficiency ratio
60.25%
58th percentile
Non-interest income ratio
9.17%
13th percentile

Capital & Risk

Net worth ratio
11.50%
41th percentile
Delinquency rate
0.87%
41th percentile
Net charge-off rate
0.77%
17th percentile
Loan-to-share
82.78%
76th percentile

Growth

Member growth YoY
-2.17%
31th percentile
Asset growth YoY
0.42%
23th percentile
Loan growth YoY
-6.97%
12th percentile
Share growth YoY
0.08%
24th percentile

Operations

Members / branch
2,176
26th percentile
Assets / member
$24,994
93th percentile
Field of membership penetration
0.87%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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