# SUN
Maumee, OH · NCUA charter 7064 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sun-7064

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated. 35,652 members of 1,787,008 potential (2.0% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $671.0M |
| Members | 35,652 (3.6% YoY) |
| Full-time staff | 143 |
| Net worth | $72.1M |
| Net worth ratio | 10.7% (p56 of band) |
| ROA (annualized) | 0.63% (p52 of band) |
| Total delinquency | 0.89% (p74 of band) |
| Net charge-offs (annualized) | 0.31% (p39 of band) |
| Loans / shares | 87% (p68 of band) |
| Cash / assets | 4.3% |
| Borrowings / assets | 2.16% |
| Net interest margin | 3.31% (p39 of band) |
| Operating expense / assets | 4.42% (p85 of band) |
| Vehicles % of loans | 13% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 33% (p32 of band) |
| Vehicle delinquency | 0.73% (p63 of band) |
| Vehicle NCO | 0.52% (p31 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 85% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 27% |
| Average share balance | $7,213 |
| Participations bought / yr | $4.7M |
| Participations sold / yr | $1.0M |
| Participations outstanding | $39.9M |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $21,530 |
| Loans granted, annualized | $164.8M |

## Participation posture (from the same filings)

Bought $4.7M and sold $1.0M in the latest annualized quarter; $39.9M outstanding purchased (55.4% of net worth), $10.4M sold and retained. Sold in 7 and bought in 8 of the last 8 quarters. Shares 3.2% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, losing money, delinquency 2x band |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 1 |  | thin capital |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 1 |  | delinquency 2x band |
| 2019-06 | 1 | delinquency 2x band | members leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 1 |  | delinquency 2x band |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency 2x band |  |
| 2021-03 | 3 | thin capital, net worth falling |  |
| 2021-06 | 1 |  | thin capital, net worth falling |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 2 | members leaving | delinquency rising |
| 2022-03 | 3 | delinquency rising |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | members leaving |
| 2023-03 | 0 |  | delinquency 2x band |
| 2023-06 | 2 | members leaving, leaning on borrowings |  |
| 2023-09 | 1 |  | members leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 1 | delinquency rising | leaning on borrowings |

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

- 2025-10-24 [Police looking for suspects in theft from west Toledo credit union ATM - WTOL](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOVzB4V1BIQ0ZxbC1tczlZaHh1ellMZ3p2Uy1RN0I2SG9UMjhIT2x5S09WZzFya3lkZWhHUl9uVFpSaUIwRlN3aWF5Z1YyWGRmdDJXSVBYWjVOTnpSckVzQXktTV9tLTdyRjdhN3BUd1dnbjdIN3RJVmF3N1lLM2VBSzMtVVZJMGwtVXQ2NlVxWm9TTGw4OXVDZlpsYnVvVnhwS1BlWWVwNFBnel9lM0oxYWY1SGZLMENKa1dSWDJ6RkpSaUpoTlRXMzBNQ0ZiSkZHN245eWE2bHU1YUNmRDNiZw?oc=5) · WTOL
- 2025-12-04 [How They Got Here — James Madison Football - Sun Belt Conference](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYlhmZG5EWFg1azhreFZRY1I0dWJIa2xmejZCcDhjbGpFMG5vWWNSejFaQldIcVNUZ3ZZRzFackJXeWdnQlhFZ3lPXzFVWFNPQWZ5WkZiRDZBSkp6dmpRSUQ5c2RMTFc4ckstWWRRTlcycnVnT3Rxcl9McmVZbEZwdTFSMkMyRU9vbVpUWHJZUQ?oc=5) · Sun Belt Conference
- 2026-05-19 [Live Nation sued for negligence in alleged sexual assault of minor at Credit Union 1 Amphitheatre - Chicago Sun-Times](https://news.google.com/rss/articles/CBMipgFBVV95cUxQLW8xVDh5ZndWV196V2hyb0JiTHk5RU1RYVQ3cE81TnNJVDNpYnhkNmpVWlF3MXlWLW5vVndhMmZKWjFzeVBfM1VkX1JBOGZLRnFvLTVDZkstcXQxUWhxZlB0S2kydGNsZnEtQW80Z21MYXZpRDRSNmVBRnBjaEtpbjVXaHZEanZtdWM5NTF4WDNubkNKYjdUTHY1eVZPQVRqa1VjS3pn?oc=5) · Chicago Sun-Times
- 2026-03-13 [Godsmack Announce “Live At The Mohegan Sun” Releasing via Primary Wave - Primary Wave Music](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaVF3Q1ZDVlpnVS16a3gxWWc2NG16blR2a09pYnFHOUpEV3l2OWRVVHZfZzBNZDFvNDhQLUppbHBMNVVpcG4xSUdhaWJwaEYtX1Nhak1JNWNNVWd3V3ZWQ19lSWt0REdsSnl0RWt6dUgxbk01MEExd1N0MzAwTDBOMTFIYlNqN0FJYlVXS0t3Z1M4bEUwdTRuWg?oc=5) · Primary Wave Music
- 2026-06-30 [Florida Credit Union Amazing Teacher of the Month: Kai Holyoke - Gainesville Sun](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQaW9IWVJDYmdENFhyTW1lV2hxSDBhb002UGt6bnpQMVNfVWh3LUZiYmVnV0VlVkdBX1dqQnoyelZLX2V2RDdPc2Rhd3BmY2k3UjVXcDVIVmM3WGFzeUlvRUlPQ3pLUG1LZXplRXJHMDY5Ry11akx1ZUJ6NFV1cXVoNk1CU0hJMlF2OUxES1VqVVpoZnhqcFIyWTRnWUFmcHBkTFJRMEEtY01kLWFlU042bUNhLTFfbU9YenlLYUJOVWFCT2FVM2tBU1hjYl9jcjNrd1JvYzZR?oc=5) · Gainesville Sun
- 2026-03-23 [Wu-Tang Clan, Bone Thugs-N-Harmony coming to Blossom Music Center this summer - Cleveland 19 News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdl8wbEVEZHNzSTVNQmJ2TFBHcExIcjEwVGVlZ1dWalhOdEFTR3dZSkl2bzcyYWtFakxLTVFqVmlMYkVYWGJQek1sZjMxUzRvRVhMZVc3c2JEcVBGa0JXaS10YWpPbjdfb3k2dk82MHpkQzduZ0t4QllvVkFYb1FIdXFRZ2oyMUdEeG5sbWxDYWZZNjNvTW1xWmxHMHRBd01fZ0RnY3RkTTR2OGxDNVJ0MjdpVQ?oc=5) · Cleveland 19 News
- 2026-03-24 [311 & Dirty Heads Announce 2026 So Glad You Made It North American Co-Headline Summer Tour - Live Nation Newsroom](https://news.google.com/rss/articles/CBMixAFBVV95cUxOUHJqeDFBSEhhLWhJYVJiVDNaRS1WUlo1b1FvMWROVHdHY0RGRDhUM0dNN005ZW1TdFFaYW5PcW1NaGIxOHFDWXp2a08zRThfX0pPQXZSOTBoVWQyUGRFNUJISHR1Z1dfYk16emhIZ01NZVhNSktnd3JFaERHSWFHUjFldUgwZ2NmWm91RXE0WkR2QUZOSk5NaGY1YVIxTUhPMkdHd21HYkhtdVZOUXRwRjczU1FqbUZsNVdFWlkwRTg0Z1Zp?oc=5) · Live Nation Newsroom
- 2026-02-09 [Chris Stapleton Concert Setlist: Discover the Average Song List - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9UbjV5Zk55SjdNa2h0UHVXR0V0bkZ0dFAzWWxSR0doSlZkcVRzRjc3eDdRWTZJeFNwbWhfWnk0Yl9lVkJtU2ktSTVINTNScXllQ2Zpb2ZMakdkOF94UHNpV1hoOS0?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7064 (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/24.json (key "7064", 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=7064
- 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