# SUNRISE FAMILY
Bay City, MI · NCUA charter 61995 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunrise-family-61995

Who the members are: state charter, organized 1956. 11,117 members of 118,000 potential (9.4% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132.9M |
| Members | 11,117 (8.7% YoY) |
| Full-time staff | 35 |
| Net worth | $12.2M |
| Net worth ratio | 9.2% (p17 of band) |
| ROA (annualized) | 0.37% (p29 of band) |
| Total delinquency | 0.10% (p7 of band) |
| Net charge-offs (annualized) | 0.25% (p40 of band) |
| Loans / shares | 42% (p10 of band) |
| Cash / assets | 30.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.82% (p59 of band) |
| Operating expense / assets | 4.43% (p76 of band) |
| Vehicles % of loans | 32% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 80% (p65 of band) |
| Vehicle delinquency | 0.18% (p19 of band) |
| Vehicle NCO | 0.82% (p66 of band) |
| Repossessed % of vehicle book | 0.04% (p71 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 7% |
| Average share balance | $6,982 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $12,741 |
| Loans granted, annualized | $24.5M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## 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 | thin capital |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | thin capital |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | thin capital |  |
| 2018-06 | 2 | 3rd-party paper>100% NW |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 4 | thin capital, net worth falling, margin squeeze, loan book shrinking | 3rd-party paper>100% NW, members leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | members leaving |  |
| 2021-09 | 3 |  | net worth falling, margin squeeze |
| 2021-12 | 2 |  | loan book shrinking |
| 2022-03 | 2 | net worth falling | members leaving |
| 2022-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 1 |  | 3rd-party paper>100% NW |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 3 | losing money |  |
| 2023-06 | 2 |  | losing money |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | members leaving | thin capital |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | repo signal | delinquency rising |
| 2025-03 | 5 | thin capital, net worth falling, losing money | assets shrinking |
| 2025-06 | 6 | delinquency rising |  |
| 2025-09 | 1 |  | members leaving, repo signal, thin capital, net worth falling, delinquency rising |
| 2025-12 | 1 | assets shrinking | losing money |
| 2026-03 | 1 |  |  |

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

- 2026-06-29 [Bay Area Chamber of Commerce Foundation celebrates 20 Leadership Bay County class of 2026 graduates - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2024-04-19 [FBI, police looking for suspect in Michigan bank robbery - CBS News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNQXZzc3RmZE8tYXlsVjdrMXgxdlc1Y0RIclB3ckxPbVZpZEVzclVBcVRrM2tpSUlVcG5uOEllZlZNU3UzbUVBemw3WmY2SHdVSmxpcmY4WVhVREE1dGo2QlM1aHI5QmV5SEpIRG9YSkRGTDdJRE1RaVF3MS1Ic3N1Vm4ydzBDZW1Cbng0ZGhveWI0S0xqOWZmUdIBngFBVV95cUxPa2hlUGxBOG0yLUc4aHpoYnkySHRfR0h3ZWNMUTdkdGZzUS1nMUpPTFktN0lTNEUyc0ZlSURBWElPaG5jX1NaZE54QkRFTU9udldSNVNTYkQ4LVRIbEViQ0o1VWJxQ3Nvdko4UW1NbFF3SkFwanE4dFJ6T0ljd256THpHTXFvdEZSbHc0ZDB4TEVOaDF4LUE1V2JvVzBsUQ?oc=5) · CBS News
- 2024-04-09 [FBI, police looking for suspect in Essexville armed robbery - WNEM](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZFRXNl90N2d1b2haRnpmcVRIeDVULXVHSEtyZGp2eTVxdlJRQjVpQVlkMUotZUtvS2JUTHNaOTc5bFBzUFZTMFFPZEJ4MGl2OGJNU1EyQ3RrRDlUdGNKUjhDQWNaY1EzTG1DbkZuYVlXY1NWaUR5TXA0UnF3cENHLXp5YW8yTWpjZkxVY9IBoAFBVV95cUxOSFlqbV9mX000Z1lqYWdHc1NsSDRWUjhzdUtITHpORmNPRHlnVWpISndXWjFsbXY3VFpwaWNudE5rb2ZUcjFrU0t3LVlKTnNrV3p2UGxhdkRJcTBfMERHTXBrcnZzak54SGlidE14bDZlNDVZWm5RejFRaXgwMU9wajZYaEJlOUdRak80aFd3QjNtV196Y0lGaWFmT0JIb182?oc=5) · WNEM
- 2024-04-09 [Robber at large after targeting Hampton Township credit union - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2025-08-19 [Michigan Car Dealer Admits to $2 Million Auto Loan Fraud Scheme - CUTimes](https://news.google.com/rss/articles/CBMinwFBVV95cUxQNllPNE0wV25aM3dVa1ZBR2JiUk5WcVUxUXRLQUkxYjdOYksyaHdEUDhkZ1lERzdINkdGY0JZTnJRdmVsZWsyQ3Zua25qQW1tOVFSWWhUVTJSbi1GTGtnNG85YjFGWjVzMFllWk5NLTVGV2l2Y2xLZC1EQXdXTU9SQlJWbkpiZDZnb2ZZcTVXSWU3aV9IYWk2UVFoV1N1aXM?oc=5) · CUTimes
- 2024-08-05 [Janice M. Spegel Obituary (2024) - Bay City, MI - Penzien-Steele Funeral Home - In Bay City - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPS2t0OC15TXRidUNjNzhFbUlCQTYwbUFNTGZpaHlSQ09PeUt1RzRabkRUR3R4aGZVc2UydzVwQ3VBc3RkSkNQX29mc3JqZkVpallNbHQyeUZHeS1SdWtUWGl5c01pRGwzVk1HTDIxRHVzSGoxTm5aeU11TnNjbjREVjZB?oc=5) · legacy.com
- 2025-06-16 [Parolee pleads to threatening to ‘shoot every one of you’ in Bay County credit union robbery - MLive.com](https://news.google.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?oc=5) · MLive.com
- 2024-04-30 [Distinctive tattoo leads to parolee’s arrest in Hampton Township credit union robbery - MLive.com](https://news.google.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?oc=5) · MLive.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61995 (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/43.json (key "61995", 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=61995
- 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