# SUNSET
PORTLAND, OR · NCUA charter 13416 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunset-13416

Who the members are: federal charter, community charter, organized 1960. 3,559 members of 611,000 potential (0.6% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $91.4M |
| Members | 3,559 (0.3% YoY) |
| Full-time staff | 13 |
| Net worth | $14.6M |
| Net worth ratio | 15.9% (p75 of band) |
| ROA (annualized) | 1.48% (p84 of band) |
| Total delinquency | 1.09% (p75 of band) |
| Net charge-offs (annualized) | 0.00% (p18 of band) |
| Loans / shares | 103% (p100 of band) |
| Cash / assets | 11.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.46% (p38 of band) |
| Operating expense / assets | 2.45% (p13 of band) |
| Vehicles % of loans | 9% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.24% (p77 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 88% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 34% |
| Average share balance | $8,914 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $512,791 |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $42,334 |
| Loans granted, annualized | $17.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $512,791 outstanding purchased (3.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -2.2% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | delinquency rising, loans>95% of shares |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans>95% of shares |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | margin squeeze | loans>95% of shares |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | margin squeeze, net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | net worth falling |  |
| 2023-06 | 0 |  | net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | delinquency rising, assets shrinking |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 0 |  | delinquency rising, assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | delinquency rising, loans>95% of shares |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | assets shrinking |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-26 [Rocky Mount NC officer shoots, kills man who crashed car, attacked police officer - ABC11 News](https://news.google.com/rss/articles/CBMingFBVV95cUxOaDhIUlR6Qlc2X3haRlZDMHBQenFsMlFmdWZ6T3V2a0YxYW43d2VTaE45djJGbHZ0emNVc0JYSUJKU2gzU1A3ZGtrTV9CVHA5WUZMWHNPTjdSbFJGZ3lGOGRPa3diTmZXQnNHd3NkWUhLSHhuQXVYcGV6UFlBdXVITmdIS0lkS3VIN3l1WmRWQ0ozM0lCam4zREJwcTh4UdIBowFBVV95cUxNS1B6NVFCdXZsQVl2OWJoNmtaQTRnaE5HRzdZNWdrVk5EWURRbFpSWEZTSlNKd0NzUG5KTF9pcFRYclYxVnhGbWxRUUpzOVg2Y3ZZT1BobHFqNjJ0MTlYemFRcXpOY0l4TU5DUmc1YkJIVXd0RWlMYXNDa3RvTGJ6SXpmRDhjdmpXeGhoXy0wQ2d2c1pzQno3cnNQcXprTkRhT2Ew?oc=5) · ABC11 News
- 2026-04-26 [SBI investigating after Rocky Mount police officer fatally shoots man following chase - WRAL](https://news.google.com/rss/articles/CBMimwFBVV95cUxQY3o2UGxKSEdMYlgzTXZuY1BCQU41NUlwZldfVllsblVMZ3VnQm42OERpd25kN1BLSnBhU3RBMmVZN19YekJqVXZ1aUZiVWZrVXNnSW9uYUV0ajlFaVNmMGYza3hnRUJOM3ZOcXBlcmN0amNhaGpNOEtaRFliZk5EbU5WUndRUkZqLWYyZUMyMTdhcTZERnNkbjBwOA?oc=5) · WRAL
- 2025-11-24 [Brenda Robertson Obituary Nov 24, 2025 - Sunset Funeral Home and Cremation Center](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9SVWlLekQtZDVIR1FLZWcyWXpXajlJemFSNzZTWUtBbzVpekxSV2ttRlhFZWh0WVJjMzlNWG52S1h5UWk5a3BLWmduVTlaN0dpOVkyMDJJcWZ6VHI0eEp4LVd6TkF4T1FR?oc=5) · Sunset Funeral Home and Cremation Center
- 2026-04-27 [SBI probing officer-involved shooting that claimed a life - Rocky Mount Telegram](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPckdCejJHV1QtdkdPZG1SaV9SNHA4NlRPVW5mT3VwcDk3dHFIdTZyeTlaZjBOMDFOZFNBVUJKaTd6bDdVc2tkalYwVDcwTmZPZ2ZGQ19zTkQ5YktaaWxjUlRpUF9QYnNwT19PUDJYbmZCN3lsczR6Nlo1cXFjc2l2TGRzdXFWeFBNd1d0eWpncXAta0hpZDdwX3hJQjVoUjk3WGhkVFpBcXBoVEdpTkE2Mk0xZGl3OFdhY3pPdnp2TkMyc3gxSk5rWnp3eVc3b1Q3QlBoYzMxLXB3bFVENHl6Ry1sUF9tQTUz?oc=5) · Rocky Mount Telegram
- 2026-04-26 [SBI investigating officer-involved shooting that left man dead in Rocky Mount - WITN](https://news.google.com/rss/articles/CBMilgFBVV95cUxNUWVEOTdJQjZIVUxtbU96SjBlNkpmVXdRV1ozTmFzaWFMTlFxZkJOaW5lVmNRaVI4OF9vc3FESm1tWFpub3FiV210bnE0em43SXB2VW5PNkhIaUY2WDI2OFlzX3JqNVVoWlpqczZ4Y1VWV1JZTmNmUy1TanR6bjRJVmljdEp0UWpiLW9YV19mZnEtRHNKa1HSAaoBQVVfeXFMTmJHRDlSZ29PNVNXY3lkSC1QMG1NSnpZaERkTDhtRHY4WGI3SlE2TFJXV3hBdm96WEN1dllrSFBzR1VmNFJfZkJfb3c0MXpoVHY5S0VTXzZQWHJ5NXJwdjB3WTd4THZWTWxXNktlek1QNGtaQWlnR0hla3ZNOVdqQUFSOGxzQkZUbjBRS2FiM3A5TXFiTERZZ0ZOQ1FZaWkzVXA4RlZJRV9FMVE?oc=5) · WITN
- 2025-12-21 [Richard Dale Cole Obituary Dec 21, 2025 - Sunset Memorial Gardens & Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1Ha0xHdGxmM1ItNFlaVzNPdzRZWFVGVHF1S2pOUFlHYVo5enZnYUJnWGlFeGdZS09Vc2hNSzRMcGRObmxzS3hNZ0FnbjVlMlh6TG5qQlNtczlkU2FDczhVMGtn?oc=5) · Sunset Memorial Gardens & Funeral Home
- 2026-06-03 [Grant Blackham Behrmann Obituary (2026) - St. George, UT - Larkin Sunset Gardens - Sandy - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxPTzJrUS1DcFFVakZhV05kOFE0aFZudGNuQS1aaU02ZUFhbDV1RFhBZC0zSm9lbEJoVm9MRk9MT2lNenl1cGwxMGxVdXo1bkhQeWxzdHB4WlZrQm1DbDQyV0oxY191SnRUZWhSNWd4VjVsYVF6SkJZa2lMaXFLdUMxUWRJSQ?oc=5) · Legacy obituary
- 2026-04-15 [Lauren Alaina to headline free concert at Paperfest - Kaukauna Community News](https://news.google.com/rss/articles/CBMingFBVV95cUxPamN0Ym1vS0ROUmdiNGw3bURqM21EQlpvWjNtTlVsS0tfRjk2Y1A5bWhzS3ZWMmZGb09FVExVXzEwZ3VITHJTMWNyZ0ZtTHNzZWdJeDFKQUluZEd1N3ZCWDR2VmZJRlQ1Unc3MlFjVWdvZDFHeFdvbEk3NDdHWVRxU29CRXI2OUZzWlc2TkZuVjE2cm9VaGJpTWVKYnBBUQ?oc=5) · Kaukauna Community News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13416 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "13416", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13416
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide