Sun Community

El Centro, CA · 1 · Charter #9296 · www.suncommunity.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$850.9M
91th percentile
Members
54,001
91th percentile
Total loans
$635.3M
92th percentile
Total shares
$752.6M
94th percentile

Profitability

Return on assets
1.17%
64th percentile
Net interest margin
3.66%
65th percentile
Efficiency ratio
58.68%
52th percentile
Non-interest income ratio
23.25%
74th percentile

Capital & Risk

Net worth ratio
8.97%
16th percentile
Delinquency rate
1.61%
9th percentile
Net charge-off rate
0.41%
50th percentile
Loan-to-share
84.41%
60th percentile

Growth

Member growth YoY
1.09%
57th percentile
Asset growth YoY
11.01%
89th percentile
Loan growth YoY
9.48%
78th percentile
Share growth YoY
11.05%
92th percentile

Operations

Members / branch
6,750
80th percentile
Assets / member
$15,756
47th percentile
Field of membership penetration
30.00%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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