# SUN EAST
Aston, PA · NCUA charter 6160 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sun-east-6160

Who the members are: federal charter, multiple common bond, organized 1949. 48,572 members of 202,143 potential (24.0% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $915.6M |
| Members | 48,572 (-3.7% YoY) |
| Full-time staff | 142 |
| Net worth | $76.1M |
| Net worth ratio | 8.3% (p10 of band) |
| ROA (annualized) | 0.47% (p36 of band) |
| Total delinquency | 1.32% (p90 of band) |
| Net charge-offs (annualized) | 0.61% (p68 of band) |
| Loans / shares | 87% (p67 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p37 of band) |
| Operating expense / assets | 3.47% (p45 of band) |
| Vehicles % of loans | 22% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 169% (p68 of band) |
| Vehicle delinquency | 1.11% (p81 of band) |
| Vehicle NCO | 2.00% (p82 of band) |
| Repossessed % of vehicle book | 0.23% (p83 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 228% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 29% |
| Average share balance | $7,859 |
| Participations bought / yr | $65.2M |
| Participations sold / yr | $28.9M |
| Participations outstanding | $140.9M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $29,304 |
| Loans granted, annualized | $216.0M |

## Participation posture (from the same filings)

Bought $65.2M and sold $28.9M in the latest annualized quarter; $140.9M outstanding purchased (185.3% of net worth), $28.7M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 6.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 2 |  | members leaving |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 2 |  | loans>95% of shares |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | net worth falling, delinquency rising |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | delinquency 2x band | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 4 | delinquency 2x band, loans>95% of shares |  |
| 2022-09 | 3 |  | loans>95% of shares |
| 2022-12 | 2 |  | delinquency 2x band |
| 2023-03 | 4 | losing money, delinquency 2x band |  |
| 2023-06 | 4 | loans>95% of shares | losing money |
| 2023-09 | 4 | losing money | delinquency 2x band |
| 2023-12 | 7 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2024-03 | 5 |  | loans>95% of shares, delinquency rising |
| 2024-06 | 7 | delinquency rising, members leaving |  |
| 2024-09 | 8 | loans>95% of shares |  |
| 2024-12 | 3 |  | losing money, delinquency 2x band, assets shrinking, delinquency rising, loans>95% of shares |
| 2025-03 | 3 | net worth falling | members leaving |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 4 | delinquency 2x band |  |

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

- 2026-01-05 [Sun East selects AJ Filipas as Chief Lending & Revenue Officer - CUInsight](https://news.google.com/rss/articles/CBMiowFBVV95cUxPVVF6UlQ4SjJqcURJTEE2RDY5cWpLb2ttc2FDZG9SRl9Nck00UkRfMjNFcUd1NkxJY1dHZ3N1OTNUNHU3Y3pKVWd3a1RwSU9uajA1UHo2bUJaelIyZU9oTXFkRXREdVJadzl1UlpIeUpCU0taYjhjMDVpNGg4LUVrSTdlWm5FUlYxdzBTbS1lQU9nS3hDQmFjV21Jb1IxeTdpQXdz?oc=5) · CUInsight
- 2025-04-23 [How Sun East FCU CEO Deborah Cook Broke Down Organizational Silos - CUTimes](https://news.google.com/rss/articles/CBMiowFBVV95cUxQT3pmdUhXekpmMndiZlk0LVhQTTFuRUpEbTF4Z2t4THoyN1RUS3gxZkdTVlJ1eTRqMFpvMHl2d1diZmNGb0Y3SkpkTi1aeFU5cTNibkRUQ0VCNWJyZC1PY0hnd2o3YVlfYTJkM1VGYVhKblpnX2Ftd1pySW95WlRnU2Nmc1pwWUFGYVpjX0dqc1pqMG56V0FyRjNVeHhHTVJLU2NF?oc=5) · CUTimes
- 2025-03-18 [Sun East Federal Credit Union announces Debbie Cook as new CEO - CUInsight](https://news.google.com/rss/articles/CBMipgFBVV95cUxOMlFlSkp4elptemRzZWJyRHZFQzA5TVUtLXdLNm42STRvdV9mb0ZTR0FObTNyT3lnYkFER3FrODdMZDJEZ25xdjlZSUs4cEhFRzc3MzVQNU5uYUxuVVQ0VkJ2UUhtc0VYMmFiRElEemtEcHl4Y0pLZmNwOHJuNXBpY0UweWlIS2ZMOHpieUN0bU55UDFKZElVUk10ekI0M25jZHNNc3ln?oc=5) · CUInsight
- 2017-06-21 [Sun East FCU announces 2017 ‘People Helping People’ awards - Delco Times](https://news.google.com/rss/articles/CBMimwFBVV95cUxQSWQ2WEJBcTJ2RUxWa0E3eVBVRzk3M3ROYXBPcGJlZWdpeUV6VWFDSUdLOGJHUlFzV1hULTJRaENCTFcyaW1JRmFmczBLWk9oQnZnR3YwZVUxWkxmcnZzR3dXdVJOZWxtbzl4LU94QnU2ekVHX09sSFJxRHZ2cmswbnVaYm5keS15RWI1bGFWUFNpTFVBaVZPMW5Xbw?oc=5) · Delco Times
- 2026-01-06 [Law Enforcement Officer Pleads Guilty to Multi-Credit Union Loan Fraud - CUTimes](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNM3BveGtuaUVqVEJJZm9ZQ2lYZTh1Q2ZROUpJdGVLUkJPaUp3cjNuNl83bWNxZm1QemEwcU9NRDc4N1h2VlNIa1JWSUtIWXpnX2xUdTA2WF9jOGhJdTQ4RXh5YzQyNUJGeUFkM1ZxTjhhTmgxQk4xQlFIeTd0Y2I5dnQ0anhpelBSZ3ROMU5GalRaU05MTWtycG9nNGt2czBEN2Y2YjQ4V0FNZw?oc=5) · CUTimes
- 2023-07-31 [Sun East FCU promotes Debbie Cook to President, working with CEO Michael Kaczenski - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxNUGZZYm8zUU01SGlLeEtRVlBTdGlnckJUZUx0VkZKYk0tQnNiRlZmOTlvbDZtcVNjcUd4NHkwd19tRVp2VDgwQ211UEZ4Y3lZcDNTQ2pRUkdNT29zWFpNQm4wQ0NNRms1Q0FpN2Q0M3RfZHZYR29JczJHWl9lN00yTnoyaFptdWg5V1RMZGxWRzJhb0tUaEYtVEF2R0JHQ2R4cTVMTW9Eak1IWUJsRDFlSUt6UGJGR0FLaTBWSkNydw?oc=5) · CUInsight
- 2021-10-11 [Michael Gommer Obituary (2017) - Media, PA - Delaware County Daily & Sunday Times - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPXzh3RlVkNmIyTHFLRUJuV0tSYVY1S2xnZlBJdE11UENFdnM1YXZDMDdVTHA1Z1Q1TXQ5ZXh4M0dSclZXMTJ3MmRfdkRaSGhBUEhETE4zM0J6WUY2WFFHSGhrM2Vfd2dXYVplaS1GaVFpWUNqZHM2R19WS0lVMi1vRXo0Rk52N0FCYUw0VFhGYl9MUQ?oc=5) · legacy.com
- 2024-07-15 [Upper Darby schools starts construction at Clifton Heights Middle - Delco Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxQb21RZ3BzSy13SGlDTU94aHhoV3ZlcFlhdF9qai1ld1k2TVk4ZFRVWWR4WEZBQThNWDg5Y0NJdnhZX2NzODhzUW10ekxfaGdjUUp1RFFSRlk5T3ZUd196U2ZfZ1phUDdxYVhsdTFXRXNwdGJZd3Q4dHl2ZXpsZVNGMnhkc2hqQzNjek4tTmRuMElKRmQ4Z0stejFCd25KaXdfdUtNZHZudw?oc=5) · Delco Times

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6160 (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/16.json (key "6160", 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=6160
- 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.

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