SUNMARK
Charter #68710 · Albany, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 88,531 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.64% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.90% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.42% sits at the 92nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 80th — a 46-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 | SUNMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.20B | 14th pct | 52th pct |
| Members | 88,531 | 35th pct | 80th pct |
| Net worth ratio | 9.26% | 17th pct | 30th pct |
| Return on average assets | 0.64% | 44th pct | 75th pct |
| Net interest margin | 3.90% | 84th pct | 84th pct |
| Cost of funds | 1.38% | 32th pct | 34th pct |
| Loan-to-share | 84.87% | 45th pct | 44th pct |
| Delinquency 60+ days | 1.42% | 92th pct | 92th pct |
| Net charge-off ratio | 0.51% | 49th pct | 54th pct |
| Loan growth YoY | -2.86% | 5th pct | 10th pct |
| Share growth YoY | 2.60% | 24th pct | 43th pct |
| Efficiency ratio | 81.45% | 82th pct | 51th pct |
structural peer set hash: 65828213536d3cfce3f0823835423e79… (reproducible)
Closest structural peers
This is the free public view
Claim SUNMARK
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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.