PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sun Pacific

Richmond, CA · Charter 5359

NCUA · 3 branches

Q2 2026

$29.9MAssets
$10.5MLoans
$24.9MShares
$6.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.96%, down 10 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 1.16% of loans (+46 bps YoY).
  • Capital: net worth / assets of 20.51%, up 39 bps from a year ago.
  • Funding: loans stand at 42.28% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.96%-10 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-27 bps YoY

Efficiency Ratio (quarter, annualized)

73.72%+723 bps YoY

Net Worth / Assets

20.51%+39 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.07%0.84%0.74%0.96%-10 bps
Return on Equity5.29%5.30%4.12%3.64%4.69%-60 bps
Net Interest Margin4.48%4.48%4.53%4.28%4.21%-27 bps
Efficiency Ratio66.49%65.92%68.70%72.17%73.72%+723 bps
Growth
Asset Growth (YoY)0.08%1.20%2.36%2.56%2.03%+195 bps
Loan Growth (YoY)-1.47%-5.81%-2.05%-3.64%-6.37%-490 bps
Share Growth (YoY)-0.80%-0.13%3.88%1.89%3.09%+390 bps
Asset Quality
Delinquent Loans / Loans0.70%1.98%0.95%0.82%1.16%+46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.12%20.23%20.42%20.25%20.51%+39 bps
Net Worth / Assets20.12%20.23%20.42%20.25%20.51%+39 bps
Liquidity & Funding
Loans / Shares46.55%45.61%46.23%44.13%42.28%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps