# SUN PACIFIC
Richmond, CA · NCUA charter 5359 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sun-pacific-5359

Who the members are: federal charter, multiple common bond, organized 1946. 1,536 members of 12,000 potential (12.8% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $29.8M |
| Members | 1,536 (-3.3% YoY) |
| Full-time staff | 7 |
| Net worth | $6.0M |
| Net worth ratio | 20.3% (p75 of band) |
| ROA (annualized) | 0.74% (p58 of band) |
| Total delinquency | 0.82% (p57 of band) |
| Net charge-offs (annualized) | 0.53% (p76 of band) |
| Loans / shares | 44% (p30 of band) |
| Cash / assets | 63.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.28% (p66 of band) |
| Operating expense / assets | 3.31% (p41 of band) |
| Vehicles % of loans | 29% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 1.67% (p75 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 6% |
| Average share balance | $7,944 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,409 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 1 | members leaving | net worth falling, delinquency rising |
| 2017-12 | 0 |  | members leaving |
| 2018-03 | 1 | members leaving |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | members leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | delinquency rising, members leaving |  |
| 2020-03 | 0 |  | delinquency rising, members leaving |
| 2020-06 | 1 | members leaving |  |
| 2020-09 | 4 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 1 |  | members leaving, net worth falling, loan book shrinking |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 0 |  | margin squeeze, delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 3 | delinquency rising, members leaving |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 2 |  | assets shrinking |
| 2025-03 | 0 |  | members leaving, delinquency rising |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | delinquency 2x band, delinquency rising, members leaving |  |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising, members leaving |
| 2026-03 | 2 | delinquency rising, members leaving |  |

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

- 2025-08-27 [Best of Marin 2025 Party Photos - pacificsun.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9QYlB3M2FyMFI4UEJERVp0Qzd2VVV0SmZPcERuTjVfc05QSFo3Uk5KTlVKdEJGLXIyRFZqZjlXWUgtbi1oakxmaHU4alVQR1dfX0ZvUDdUcjlFZmJpbzY3NEpzM1lidw?oc=5) · pacificsun.com
- 2025-04-04 [Huge East Bay Federal Building to Go on Selling Block - Globest](https://news.google.com/rss/articles/CBMikwFBVV95cUxOYlcxNkFRNHU1eVdKeEI4VXVkUWppNGNmazUzS19tNXZxWU5FUnJFcjJCMXIyekU2RUo2MFpITWo5azhudldmODkzY0sxNUVoMUJwdGdUcHZZTEFpVElYTm9Ba1hjUmcwd1ZrOE5mRHlUbmZuYWc0M3VNN3pEVFhYb1Y3cGhaR2F6MkZVd0lvTkRwdHM?oc=5) · Globest
- 2025-04-02 [580K SF Office in East Bay on Trump’s Accelerated Sale List - The Real Deal](https://news.google.com/rss/articles/CBMirAFBVV95cUxPUmJ3NGRUb0xVVU03OWVVbFpVYk9DcTlrZExNdVFvYlJPa0R4dlJyUkRGUE1iR0VFRHBTNlRJRVpJMkd2UnJ5NTZQNzU2a2RhaERnaFlZSlFfU2RjajNQY2RMelhFbmZGT3J1X0FJX0U4OVpvZmRIeUY1c2NsTEwwVEVSVWRVNW5uRDlIYkdGMGR3a0JlUW43M0thMXhPZHQxVE9YOXI4NWJWZU5Q?oc=5) · The Real Deal
- 2025-04-01 [GSA wants to offload massive Richmond office building in latest federal cost cuts - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZ3pieXJvdXl4YWZ0cTRTNzFRS3dnbGdVY19CcS1ST01lQms2a3VJYU1jQ2xzaHpRbHN0RVAxZjhpU3dvU0RaYmlXa0N4WEd6a2xzVXl3YS1wVl9NV0wxZWpNNld3dnNMMWEzd19DWlhFcy1rNGZwa1YtS3hSc0pUWHQ5Z3N6ME9BR1NBdk1BYmJxQTRlSFVyeFBydWluVUJnVFVWcXQyU2pQMFBHY1ZB?oc=5) · The Business Journals
- 2025-08-27 [Best of 2025 Winners’ Photo Gallery - pacificsun.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBlSU5Wdzh2VEVCT2QwaEk5QTNQRjRVTW5CVTY4Tld4S3dkdEFzRUdTa3gzX0g1TkdOQ1VsWXJOM2ROekduQk5KcURCNDJsTklXdk95eVJiTUJ6b0MteFpPOGUwTWN2angybkE?oc=5) · pacificsun.com
- 2024-08-21 [Best of 2024 Winners’ Photo Gallery - pacificsun.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5ST21uckozbWJtUXUtelJhcjR4dWZRMjN5YXBzZzY3TU05cEFVXzk3UjBOTy1FbmpETEdCRXltektaR3QyX3dVZzd0eVlIWk1NWDBVOGZXTnZidUswODlYZzRRWElaMEZ0NEE?oc=5) · pacificsun.com
- 2023-08-31 [Best of 2023 Winners’ Photo Gallery - pacificsun.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5RMWIzVkJjZzNwS1MyVTN5RkMyS0c1cGRRS1F1cU01Yy1XQUJ1QzFtRWZoenZFRnhZRVNzUGNTNUZlNlMzNWMxcUM5cURhMGNIdEZycWtuWDRQa3FsTUZnS1hwSklVYWxOU2c?oc=5) · pacificsun.com
- 2025-05-14 [Summer Concerts and Movies at the Green Music Center - pacificsun.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFA0VV8xWWVDQWFvQ1BRQ1AxOW5odWhXRDdYMzlvS0pSb3lrZjRHUmgwNDByYkJIUzFFR3BEQWFYUWttU0JScVBhelhON0doZWo2Zmo4ZEpEdnhUNndSQVpUNTlJOXNjNGpDOHFCREZwTnI?oc=5) · pacificsun.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5359 (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/47.json (key "5359", 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=5359
- 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