# SUNNYSIDE
Sunnyside, UT · NCUA charter 67105 · asset band <$50M · latest filing 2018-12 · stopped filing after 2018-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/sunnyside-67105

Who the members are: state charter, organized 1948. 470 members of 2,500 potential (18.8% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.9M |
| Members | 470 (-17.5% YoY) |
| Full-time staff | 2 |
| Net worth | $129,392 |
| Net worth ratio | 6.8% (p1 of band) |
| ROA (annualized) | -3.86% (p1 of band) |
| Total delinquency | 1.79% (p72 of band) |
| Net charge-offs (annualized) | -0.03% (p7 of band) |
| Loans / shares | 59% (p47 of band) |
| Cash / assets | 23.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p76 of band) |
| Operating expense / assets | 10.51% (p99 of band) |
| Vehicles % of loans | 55% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p13 of band) |
| Vehicle NCO | 0.00% (p21 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 97% |
| Certificates % of member funds | 0% |
| Average share balance | $2,472 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $6,555 |
| Loans granted, annualized | $343,519 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, expense trap |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 6 | delinquency rising, assets shrinking, loan book shrinking |  |
| 2017-06 | 8 | delinquency 2x band, members leaving |  |
| 2017-09 | 6 | thin capital | assets shrinking, loan book shrinking, delinquency 2x band |
| 2017-12 | 6 | assets shrinking | delinquency rising |
| 2018-03 | 7 | delinquency 2x band, delinquency rising | net worth falling |
| 2018-06 | 6 | loan book shrinking | delinquency 2x band, delinquency rising |
| 2018-09 | 5 |  | members leaving |
| 2018-12 | 10 | capital below 7%, delinquency 2x band, delinquency rising, members leaving |  |

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

- 2022-02-04 [Business Spotlight: American United Federal Credit Union - ETV News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNUG96RTFlZUFtLWVHUnBzMVdYd25oSDBEM3F1Tkx1eVFBenBwRm9ZT3RhUW5JdjRubGlpVTBXZWJKb3hmOGE3MGtqTl9qQ3BwcG1qbWRJZjZ4ZFdmcHU0WU1yR0l2Q1d4c1o1YXNSVXl4eUIyUU1WcnVsb2hTRmlCV2RSTUI5YXAxN3hEMkJneG9MbmtsQWFhLVFMajA4RUxhY1hlZHVDbw?oc=5) · ETV News
- 2024-08-30 [The U’s America First Ballpark is officially underway - The University of Utah](https://news.google.com/rss/articles/CBMijAFBVV95cUxOeW5aOHkwUDZFeTVnMEdGZUYtazBSb3JiRWhRZmNMQVpaVmJ2emozbkZtb3NxUGloaUd2R1ZlUzMxSkpBMkZXZFVMQ3hVREtqaHNnWF9fbTJzMmh5eElLVmJkZlZiYU13YkJTZWlVZ0x2QmZnVHcwcTMxeGpPZ1ZDeVByYnd6WU1vbU5obA?oc=5) · The University of Utah
- 2015-07-29 [Gregory Hanson Obituary Jul 29, 2015 - Wood Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5QTnBqa1c3X1F3WHo0Ni1IczY3bEdIRUZTSk1OLVNkQ0xIZE40SEFnWFNic0tyemJpOFZRd1FoMW5FZ25CUnhMTVVKTmJEeHg3U0hzelBweXk1WjhoZ3g0RHZjQXYyUEpK?oc=5) · Wood Funeral Home &amp; Crematory
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - Sunnyside Sun](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNSDBQdUt3NnE5UnlxbkJqVWJrX2NQWWFvaVFfMm5iLTVPbzlqYVJfUDFVZWVET244eGI0b1JVd3BaUjRCNEp6eGhCdlNRN3hNY1lNbFV1UnN2NEpfdERIUk51SzYzck9CLWdndnBIemF2SFBTaDRLU0FVNlhDTDdUYTREczhhMndBR2k3WF9aR1FaRVJTNVhaemFQOVl5N2J6aTIybldXbUV3QXdXVklMWTF0RFFuQlVyazgzQzZQaVgySkNrSXMwMGRCaEdRbzdhSUJGZV9JdHI1WVk0bGlFNkRocnI?oc=5) · Sunnyside Sun
- 2008-04-24 [Douglas Lackey Obituary (2008) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQSGVDR1A1UHI0WGlvMk5HNW1XZzJUR3VRYVZuMW9UMXZOUUp0QXpPVWNNZGJfaWhPVnA1MXA0bkNwQThJNWZya2ExWWZYczNSaW9BVnRZX2R4WnNKc29mM3c3T01pY0NsMGt3MnZOb0tLQWdKODNjS0FRUk1PbGNYc19QQzdMM1dsbFdqWFB1YWU0Sl9fcWpzaw?oc=5) · legacy.com
- 2024-02-07 [Salt Lake City considers 'below market' 99-year lease with U. over new baseball stadium - KSL.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPNS1mTXJEZDI0dUpBZXkwdUt0NFhOQUE0b2FYdnB0dXU3NWFnWE96RjFwNlpHMDJQdTJ5dFJYc1JNdEstWTlKNWVwejNLN0hFMndCZ19qVjZTc0I2bXhwbC1FM2JWUVBmaUV1czdOaFJ6RTF5aG1UZmxYQmE1d2Fhd2c2ZmFwWk05U1pqYkladWQ4c1pnYWFsbXN0Q2JybnMwMDJMWmQzbk9ON1ZoSnl5REU5YWFoRUpXTmR0RDlQMDZyc01Eel9rY0ZPemR0bU1GcHNrNndXdkdoMHRNaUxKWC1PNEs?oc=5) · KSL.com
- 2012-09-11 [Lester Grundvig Obituary (2012) - Salt Lake City, UT - The Salt Lake Tribune - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNa08zaDNFbE4zV1hWVV9NN2VGUTVXMHJhblhuX2l3Y1AwYm0waVc2Q2lDRVQ1czc3MEEzWUhOek9INnBaUkYwT3BRdnpnREhrVUg3dFFIM2ZxZVBIeFBaeGU5clJiYUwwcDRsbS03eDVrR0xOLVpRTGJKY1JDeEUzWnN6WmV0MEZKdW1mS1pBajhVNFRpZ1ZMZV9B?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67105 (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/33.json (key "67105", 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=67105
- 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