# SUNMARK
Albany, NY · NCUA charter 68710 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunmark-68710

Who the members are: state charter, organized 1937. 88,531 members of 2,889,218 potential (3.1% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.20B |
| Members | 88,531 (-1.4% YoY) |
| Full-time staff | 258 |
| Net worth | $110.2M |
| Net worth ratio | 9.2% (p17 of band) |
| ROA (annualized) | 0.64% (p45 of band) |
| Total delinquency | 1.42% (p93 of band) |
| Net charge-offs (annualized) | 0.51% (p51 of band) |
| Loans / shares | 85% (p45 of band) |
| Cash / assets | 7.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p86 of band) |
| Operating expense / assets | 4.43% (p95 of band) |
| Vehicles % of loans | 21% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p8 of band) |
| Vehicle delinquency | 0.77% (p64 of band) |
| Vehicle NCO | 0.74% (p35 of band) |
| Repossessed % of vehicle book | 0.35% (p92 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 116% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 28% |
| Average share balance | $6,880 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.3M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $20,277 |
| Loans granted, annualized | $210.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.3M outstanding purchased (2.1% of net worth), $3.4M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 2.7% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2020-03 | 4 | thin capital, losing money, expense trap, loans>95% of shares |  |
| 2020-06 | 3 | delinquency 2x band | losing money, loans>95% of shares |
| 2020-09 | 2 |  | thin capital |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, net worth falling |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 1 |  | delinquency 2x band, thin capital, net worth falling |
| 2021-12 | 3 | thin capital, delinquency 2x band |  |
| 2022-03 | 2 |  | thin capital |
| 2022-06 | 3 | loans>95% of shares |  |
| 2022-09 | 5 | thin capital, net worth falling |  |
| 2022-12 | 4 |  | delinquency 2x band |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 5 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | delinquency 2x band |
| 2024-09 | 3 |  | thin capital |
| 2024-12 | 1 |  | loans>95% of shares, delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency 2x band |  |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 3 | delinquency rising | net worth falling |

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

- 2026-05-28 [Sunmark Credit Union expands to nine more New York counties - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbnNEcC1BeXJxbU9UM1RLcFdqTWpGZk5iTjhKVDVRMVNNdVFmYW9oSEo5VmFENlhSeGo4dkRyLU1mN05kVFBueElYYjNMcHBNX1ZzWXNLUjl1SW55YzJScE9QbzFoTS1GVVZ6X3hSUjc0VEhYTHlaSG9mSEF3MVdxR2pRUnpIaDVLUFVqYjd3b2hvd1FScldpNw?oc=5) · The Business Journals
- 2026-08-11 [Make It Make Cents with Sunmark Credit Union - NEWS10 ABC](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOSXI3Z3RNNy1oaThmQWktcFNaaTBTdUd6WldFcG1feHZBZlRDY3A4UXFGeHNzVFNlMkNJbVowZVQ3WVA2aWpmVFgyZU9jWXFXUU52YUNJUDhiYVdUOWg2WXJnQ0hhTnBJSGRoZEtjdFhrVjNuWWVFY1lJX0JxbF9lT2NfQUU4emZRekd30gGQAUFVX3lxTE95bG10UTJMeTF1RFFBR3dYYXVndklUX0NWTHFIYmstUUVubDlLbTYzN2xhZUllaEZiS1lFc3hGN1lsQVpGcnZEMHo4XzJlSFpJSC1MVVFRM3VzR3g2cFFwMzBzRDVtX3BUSEtJMTZ6Tjh6Q2dFbVJDbHk4YTVQNHE1bzE2d1FGMHFlRkxwaGl4Zg?oc=5) · NEWS10 ABC
- 2026-06-08 [Sunmark Credit Union expands membership to 9 new NY counties - WNYT.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQUExRd3ZiOGViNXNEWnczcXBCbEdZTTVrYUx6dUI2WVN2MXFPZkk1dHIzeTNqZmw4bjl6RHFWNUluSHRPV2dtb1o3TE43RVR5bUxUU0EzUG1rXzJUanRsZ0xlQ0pRdVNmTkNscVF3b3B0R1d6WTRjcnlGUFZjTE9DMGdjS0t6enVqVVgtVFRaOUVDQ1dqOUx3dHBXMDB6ZmdkZjlhWmlKWTVYVmtoS1NIRUp5MnVYdw?oc=5) · WNYT.com
- 2026-01-05 [First New York Announces Vik Muktavaram as New President and CEO - Capital Region Chamber of Commerce](https://news.google.com/rss/articles/CBMipgFBVV95cUxQVUVYc09EenU0S1NrVEZMTk1FWjF2VklJVVhmd0d2OEk0cDF0c3c1czBfdlNUT09SVHo5YzNaX2FvT2xDS3RMTTdZT3otaGVOR25oWHNqcFFUOG9zc2ozdnRFZ2JubG5ZaWZxSVhISVNFWFVRekRhV25XZlZGY1J2OEVBSWVNb191eDhnOXRQRE1hNUhfdHFGaGl6NW1oSmsySHBkc1JR?oc=5) · Capital Region Chamber of Commerce
- 2026-06-18 [New CFO for Sunmark Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSkgxb1hWNTFaTE9LYXhwcHg4RWlxbEN6T3ppOGtIbkVEN3JEVE5aTlh3M0RwWmVSaThvMXlVN1RWRVNPYkxDenFBclJCbVRmQlBoQldpcjV4ZTEtX1dRLUxnMktybGlXaE1YZFhUWVM5UklPMUM1aFVzWjU0OE1FRm1nNmNYZw?oc=5) · The Business Journals
- 2026-02-06 [Sunmark Credit Union BizSpotlight - Albany Business Review - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxPUnlQd3hRWmxkcVI2c21CSVNlQlRsX3RkSGh6UEo0eFg4VHVIbDRqQlZkWlZUakdrSmFWcXNxMnZ2UUw2VWtLdFNGRlVHNHZpRGYzbjdKT1M2anRQYXRQTTZPWk5WOVRRRFl3YWU4b0RMeThzeU9XNDVhRjNjMVlQWDdEY2pZTVNyQ2c?oc=5) · The Business Journals
- 2019-07-16 [Sunmark seeks charter change to expand coverage area - Times Union](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVHU0T3NVeVFOenZUX29PdmgyTnJGYWhHOE05YmFNNldYUXE4R1BPeEJwMHFWYjNwUFowMk4xR0lmMGRvenNKQmNIUGUyOHFJVTJNdHM1S3M3dGdhallVeU90TWQ3MWZYeUJnUUNWcTZYNDF3MzVBUTVRU3h0dDk5cU4wNHE0dW9hOWhCSTB3ZXZkOTRhY3BYd2dURjNJSThYZ0oydXJfaw?oc=5) · Times Union
- 2020-08-26 [Sunmark FCU scoops up another tiny credit union - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeVFYQ2N6RlJrNDhocU8xcFJqQ09ucHhEdW1kaTY5Mzc0WDV6MzVUdjlXYUlnRzgtb3FNc1RuZmtFbFBrNndHTFJldmQ0anV1SnFQelNJU0xmNFdpQWZ3RmFZeGEydFk4R29zMWI3dU5hY0FwUEljYTV2RXRmMVU4NWVKN1pHcnFVdGNCNzdNQTkxUmdEWEVBVzNJdUc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68710 (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/38.json (key "68710", 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=68710
- 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