Sun Community Federal Credit Union
El Centro, CA·Charter 9296·cu:9296·Credit union RBC / net worth
- #72 of 239Total assets in California
- 56Kmembers
- Top 6%Loan growth in the U.S.
- Top 7%Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Sun Community Federal Credit Union
5 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Return on assets falling while the peer median risesWorth a look: Earnings-0.97%peers 0.81%-178 bps
Sun Community Federal Credit Union's annualized return on assets fell 241 bps over the past year to -0.97%. Among 561 similar credit unions, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| -0.97% | 0.81% | -178 bps |
| 12-month change | ||
| -241 bps | +9 bps | -250 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net charge-offs rising while the peer median fallsWorth a look: Asset quality2.87%peers 0.38%+249 bps
Sun Community Federal Credit Union's annualized net charge-off rate rose 257 bps over the past year to 2.87%. Among 561 similar credit unions, the median fell 2 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 2.87% | 0.38% | +249 bps |
| 12-month change | ||
| +257 bps | -2 bps | +259 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising while the peer median fallsWorth a look: Efficiency82.5%peers 75.9%+6.5 pp
Sun Community Federal Credit Union's efficiency ratio rose 12.9 percentage points over the past year to 82.5%. Among 561 similar credit unions, the median fell 0.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 82.5% | 75.9% | +6.5 pp |
| 12-month change | ||
| +12.9 pp | -0.6 pp | +13.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership 2nd quarter+7.1%peers +0.5%+6.5 pp
Sun Community Federal Credit Union's membership grew 7.1% over the past year. The median among 563 similar credit unions was +0.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +7.1% | +0.5% | +6.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+15.9%peers +4.1%+11.8 pp
Sun Community Federal Credit Union's loans grew 15.9% over the past year to $677 million. The median among 563 similar credit unions was +4.1%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +15.9% | +4.1% | +11.8 pp |
| Loans | ||
| $677 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Sun Community Federal Credit Union is a federally chartered credit union headquartered in El Centro, California. It reported $896 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $803 million, up 9.8% from a year earlier, and loans totaled $677 million, up 15.9%.
- Its net interest margin on average assets was 3.99% and its annualized return on assets was -0.97% for the quarter.
- Its cost of all shares and deposits was 1.68%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 56,001 members, up 7.1% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Sun Community Federal Credit Union's own data, FORFI would look at: Which relationships and products drive the change in earnings, and where pricing has drifted.
Analysis workspaces
Sources and identifiers
- Institution
- Sun Community Federal Credit Union · Credit union
- NCUA charter
- 9296
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Sun Community Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| -$2.16M | |
| $12.48M | |
| $3.57M | |
| $8.91M | |
| $3.03M | |
| $9.85M | |
| $4.27M | |
| $4.25M | |
| -0.97% | |
| 3.99% | |
| 82.47% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.