PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sun

Hollywood, FL · Charter 67332

NCUA · 3 branches

Q2 2026

$128.8MAssets
$65.6MLoans
$114.1MShares
$14.2MNet 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 1.23%, up 13 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.60% of loans (+9 bps YoY).
  • Capital: net worth / assets of 11.00%, up 66 bps from a year ago.
  • Funding: loans stand at 57.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+13 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+48 bps YoY

Efficiency Ratio (YTD, annualized)

67.25%-475 bps YoY

Net Worth / Assets

11.00%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%0.98%1.06%1.26%1.23%+13 bps
Return on Equity10.58%9.51%10.09%11.77%11.15%+56 bps
Net Interest Margin3.73%3.75%3.82%4.14%4.21%+48 bps
Efficiency Ratio72.00%71.11%69.86%67.71%67.25%-475 bps
Growth
Asset Growth (YoY)4.05%5.25%6.53%7.71%4.89%+84 bps
Loan Growth (YoY)7.15%18.27%15.95%16.84%20.92%+1,377 bps
Share Growth (YoY)2.92%4.85%6.03%7.30%4.32%+140 bps
Asset Quality
Delinquent Loans / Loans0.51%0.42%0.58%0.41%0.60%+9 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 Capital10.34%10.29%10.52%10.68%11.00%+66 bps
Net Worth / Assets10.34%10.29%10.52%10.68%11.00%+66 bps
Liquidity & Funding
Loans / Shares49.60%54.08%55.41%55.20%57.49%+789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps