SUN COMMUNITY
Charter #9296 · El Centro, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.63% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.19% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 33rd — a 51-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $896.54M | 84th pct | 33th pct |
| Members | 55,062 | 82th pct | 34th pct |
| Net worth ratio | 8.63% | 13th pct | 10th pct |
| Return on average assets | 0.47% | 35th pct | 36th pct |
| Net interest margin | 3.74% | 71th pct | 62th pct |
| Cost of funds | 1.66% | 65th pct | 67th pct |
| Loan-to-share | 81.55% | 51th pct | 38th pct |
| Delinquency 60+ days | 1.19% | 86th pct | 92th pct |
| Net charge-off ratio | 0.67% | 72th pct | 59th pct |
| Loan growth YoY | 8.00% | 94th pct | 90th pct |
| Share growth YoY | 10.34% | 96th pct | 92th pct |
| Efficiency ratio | 77.91% | 49th pct | 49th pct |
structural peer set hash: 8b59403da72facc267f01347ba0ad472… (reproducible)
Closest structural peers
This is the free public view
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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.