# SUN
Hollywood, FL · NCUA charter 67332 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sun-67332

Who the members are: state charter, organized 1991. 6,454 members of 137,914 potential (4.7% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 2081.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $129.1M |
| Members | 6,454 (-0.8% YoY) |
| Full-time staff | 18 |
| Net worth | $13.8M |
| Net worth ratio | 10.7% (p36 of band) |
| ROA (annualized) | 1.26% (p81 of band) |
| Total delinquency | 0.41% (p33 of band) |
| Net charge-offs (annualized) | 0.37% (p55 of band) |
| Loans / shares | 55% (p24 of band) |
| Cash / assets | 25.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.14% (p77 of band) |
| Operating expense / assets | 3.32% (p38 of band) |
| Vehicles % of loans | 64% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 169% (p81 of band) |
| Vehicle delinquency | 0.29% (p28 of band) |
| Vehicle NCO | 0.66% (p58 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 28% |
| Average share balance | $9,014 |
| Participations bought / yr | $13.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $31.1M |
| Loans outstanding per 100 members | 2081% |
| Loans granted per 100 members, annualized | 729% |
| Average loan balance | $471 |
| Loans granted, annualized | $35.4M |

## Participation posture (from the same filings)

Bought $13.2M and sold $0 in the latest annualized quarter; $31.1M outstanding purchased (225.8% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 7.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | auto monoline |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 4 | thin capital | delinquency rising |
| 2021-06 | 6 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 5 |  | margin squeeze |
| 2021-12 | 3 |  | net worth falling, delinquency rising |
| 2022-03 | 2 |  | delinquency 2x band |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | assets shrinking | thin capital |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | 3rd-party paper>100% NW |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 3 | members leaving |  |
| 2024-09 | 4 | delinquency rising |  |
| 2024-12 | 3 |  | delinquency rising |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | delinquency rising | members leaving |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 3 | delinquency rising |  |
| 2026-03 | 3 |  |  |

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

- 2026-05-13 [Dozens of South Florida drivers receive free gas thanks to local credit union - CBS News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNR3hraWxoVmFXNU04dFFBT0NuR0U3bG0wV3hqWTJBQWNGMkZCUndxMTlmZ3VJZ2haSnJxem41RVlhUDBWYUZneS1ZbVhRc2hhV2V3MDBfaUE1b19kWGhKMlkwZTZWUkwwWERZdTBRcnJza1kxX3Rtd1Y2d0k5WXBuZUM0SUs4dGxON1h5SjIzVkhodV8xU01KQUV5bElUOVdES0ZrLWhBQVc?oc=5) · CBS News
- 2026-05-12 [Georgia Pechilis Vickers Obituary - Gainesville Sun](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9ZeVI0MEh1TW1GZ3VPY1Y3M2wwZVdYbmRIeUZIV0VnMnZfdkhmVTFiRWJSNUczMEtuRmlGQlhsSER3V3BhVzc5bjBvVEtLWkE4VFIxWTQ1NTIxZm50MGhJ?oc=5) · Gainesville Sun
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- 2026-06-01 [Bryson Tiller Announces ‘The Neo Trapsoul Tour’ With Ty Dolla $ign & Majid Jordan - That Grape Juice.net](https://news.google.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?oc=5) · That Grape Juice.net
- 2026-01-18 [Pitbull Announces I’m Back Tour Featuring Special Guest Lil Jon - Eponymous Review](https://news.google.com/rss/articles/CBMimwFBVV95cUxNY0Y2cWdzd3dPaXROUVFzQXJTTFpoLVFZNE1xYUlaTFdjVllMclMxamZMUjk4bVFaQURLR2F5V1pfR2FwdkZjRFpTRUZYY3ctemJBOUo1ODhpbDlNM0lmVTBQZ2pwb1FURzd0Vkh0cnRuR0ZVbkVmcy1jTHZEaG1wRmxLZld6a3ZKMUUzOXNTVUxJbVJYYldKQV9XTQ?oc=5) · Eponymous Review
- 2026-03-19 [Power Financial Credit Union voted Best Credit Union in South Florida - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOS3RFdnhQYmgzMTU2RndrMFk1NkVnY2QwdHlCbkFHcnRfZ09qWnZuT3NPQkxjdmNVVHc0bHpCT0liNmxvOGRHM0Vubm9KOHdVNHZHVjlyUkFsYXdjUHdDcndtRkRsVkZCV2pPOUtRY0pCaDlMdXlTa19NdnRBOFlRUWtNdWc5T1JUMGVoSWxJTDJJaU1oRjVsS0s0RGIzRldKTFNOcGpkYlVfRFBXNGNN?oc=5) · CUInsight
- 2026-04-02 [Amazing Teacher of the Month: Nicole Hipple - Gainesville Sun](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOWmktb3N1ZTAzanEzSWF0WDN0aXdKVGNDSE50Q0NwbHJzQ3BqbWo2MjNHdEY3NTJmUEN2WHFLMzBnYWN4bC1vVTIxbE9QVTE2Qk43M2F2Q2VGaG5tVjZuZlVSbnZzdnRBMUhwS0hXZmdEaVotdnNZbXNRekJQbVM0V3JUcndRdFZqdEs3LTNLOHJHdWVmeE51bWhOMFJVZXV0cHN0ZzZiSVRsdmJVMEFwSlVEZF9SUW1FX3VyTkREcWRZdkJvbS1UWTV5QU9JNlh2Y1E1M2FUdWphYmM2NkV6c3V0SQ?oc=5) · Gainesville Sun

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67332 (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/4.json (key "67332", 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=67332
- 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