SUN PACIFIC
Charter #5359 · Richmond, CA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,536 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 20.25% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.31% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 72.17% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 61st percentile but its structural peers at the 26th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SUN PACIFIC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.84M | 61th pct | 26th pct |
| Members | 1,536 | 26th pct | 13th pct |
| Net worth ratio | 20.25% | 86th pct | 90th pct |
| Return on average assets | 0.74% | 55th pct | 52th pct |
| Net interest margin | 4.31% | 72th pct | 90th pct |
| Cost of funds | 1.05% | 61th pct | 56th pct |
| Loan-to-share | 44.13% | 27th pct | 38th pct |
| Delinquency 60+ days | 0.82% | 61th pct | 49th pct |
| Net charge-off ratio | 0.52% | 72th pct | 67th pct |
| Loan growth YoY | -2.38% | 51th pct | 46th pct |
| Share growth YoY | 0.88% | 34th pct | 38th pct |
| Efficiency ratio | 72.17% | 31th pct | 25th pct |
structural peer set hash: ef242c0d2bf341b62a4681a7b48f38a7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.