PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sun East

Aston, PA · Charter 6160

NCUA · 7 branches

Q2 2026

$908.6MAssets
$741.6MLoans
$830.0MShares
$77.7MNet 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 0.58%, up 16 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 1.11% of loans (+4 bps YoY).
  • Capital: net worth / assets of 8.55%, down 3 bps from a year ago.
  • Funding: loans stand at 89.35% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

77.61%-238 bps YoY

Net Worth / Assets

8.55%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.49%0.49%0.47%0.58%+16 bps
Return on Equity4.97%5.64%5.89%5.62%6.83%+185 bps
Net Interest Margin3.39%3.43%3.27%3.28%3.43%+4 bps
Efficiency Ratio79.99%79.30%78.51%79.78%77.61%-238 bps
Growth
Asset Growth (YoY)2.03%5.64%8.43%6.85%6.58%+455 bps
Loan Growth (YoY)2.76%1.71%1.22%-0.55%1.04%-171 bps
Share Growth (YoY)1.61%5.45%8.53%6.80%7.08%+548 bps
Asset Quality
Delinquent Loans / Loans1.07%0.94%0.95%1.32%1.11%+4 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 Capital8.58%8.65%8.27%8.31%8.55%-3 bps
Net Worth / Assets8.58%8.65%8.27%8.31%8.55%-3 bps
Liquidity & Funding
Loans / Shares94.69%93.04%87.51%86.66%89.35%-534 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps