Sun Pacific
Richmond, CA · Charter 5359 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$29.9MAssets
$10.5MLoans
$24.9MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets (rank 208 of 1683).
- Widest gap: nonperforming loans / loans trails 72% of credit unions under $1B in assets (rank 1205 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.96%
Rank 620 of 1,683
Net Interest Margin
4.21%
Rank 506 of 1,683
Efficiency Ratio
73.81%
Rank 630 of 1,682
Equity / Assets
20.51%
Rank 208 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.96% | 0.35% | 0.74% | 1.18% | Beats 63% | 620 / 1,683 | |
| Return on Equity | 4.70% | 2.67% | 5.89% | 8.74% | Beats 41% | 987 / 1,681 | |
| Net Interest Margin | 4.21% | 3.31% | 3.82% | 4.32% | Beats 70% | 506 / 1,683 | |
| Efficiency Ratio | 73.81% | 68.91% | 78.20% | 86.93% | Beats 63% | 630 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.16% | 0.26% | 0.65% | 1.29% | Beats 28% | 1,205 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 20.51% | 10.44% | 12.89% | 16.53% | Beats 88% | 208 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 20.51% | 10.44% | 12.89% | 16.53% | Beats 88% | 208 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 42.27% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,457 / 1,683 | |
| Loans / Assets | 35.22% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,463 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |