# SUNLIGHT
CODY, WY · NCUA charter 8733 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunlight-8733

Who the members are: federal charter, community charter, organized 1953, low-income designated. 8,599 members of 999,999 potential (0.9% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $216.9M |
| Members | 8,599 (-2.4% YoY) |
| Full-time staff | 41 |
| Net worth | $25.0M |
| Net worth ratio | 11.5% (p55 of band) |
| ROA (annualized) | -0.09% (p5 of band) |
| Total delinquency | 2.34% (p97 of band) |
| Net charge-offs (annualized) | 0.58% (p70 of band) |
| Loans / shares | 70% (p42 of band) |
| Cash / assets | 28.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.00% (p18 of band) |
| Operating expense / assets | 3.56% (p45 of band) |
| Vehicles % of loans | 12% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p20 of band) |
| Vehicle delinquency | 0.27% (p24 of band) |
| Vehicle NCO | 0.90% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 220% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 27% |
| Average share balance | $9,863 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $36.1M |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $33,500 |
| Loans granted, annualized | $6.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $36.1M outstanding purchased (144.5% of net worth), $2.6M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency 2x band |  |
| 2018-06 | 1 |  | delinquency rising, delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | 3rd-party paper>100% NW |  |
| 2019-03 | 3 | net worth falling |  |
| 2019-06 | 1 |  | auto monoline, net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | 3rd-party paper>100% NW |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 3 | margin squeeze, members leaving |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | net worth falling, members leaving |
| 2022-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 2 | net worth falling, charge-offs p90 | delinquency 2x band, delinquency rising |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 2 | members leaving |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 | charge-offs p90 | members leaving |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 3 | assets shrinking |  |
| 2024-03 | 0 |  | charge-offs p90, delinquency rising, assets shrinking |
| 2024-06 | 2 | net worth falling, repo signal |  |
| 2024-09 | 2 | charge-offs p90 | net worth falling |
| 2024-12 | 0 |  | repo signal, charge-offs p90 |
| 2025-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | net worth falling | delinquency 2x band |
| 2025-12 | 1 |  | net worth falling |
| 2026-03 | 2 | losing money, delinquency 2x band | delinquency rising |

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

- 2022-12-06 [Dunham assumes CEO role for local credit union - The Sheridan Press](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOeXd2X1gweDhRSm1iYVFBSENqRkdNMURjZmpDZW81LWhaNjRiS25mUkI3bW80SGMwNUZpVGM5bzhQOUtPLTRLV2NvUGluajFyS2h2T1ZvUTV5OUhXWHBXb2NjWlNyYlZpOWhTUE9pVzhvNld2OTBmRDZKTW9hcUU2Y2RKR2ozRXdrbzRmbEZFYXlOR1ZnWkpXeFJUWmotUklhNXRhQ0VGb1pqVHRlaElOR0JXb25Mcy1UYlZfNXh5VTdRTW5FVjFBZy02UDdGdnV1Mkx1N0YxcC1JRjZzOUE2c181RWhNYmhC?oc=5) · The Sheridan Press
- 2023-11-03 [How a Wyoming credit union is doing more lending despite lower demand - americanbanker.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxQMlVLOUxEb29zLXNueVpKTXRfaVNPU0xfQ1JQWEx2WnlJcXBpWlpUVjNQbDIxM0t3R2ZrQUotaXFwQ1RjMm1pbDlnNXNEZXo3QWhEb2lYaTU5b0RCdnliLVNLZXNHV01nbHJiWmo1Ri12Z2pIRUY0S2pfQV9VM0pZWjVmeTBSWExTNGo4NWVjdzUzbUNydmlwUkRLQnQzNmxkVElwQkNtMlhOa0dtNWJGaGQ3NU9HSGwzMGc?oc=5) · americanbanker.com
- 2022-12-07 [Cody country business news | Local News - Cody Enterprise](https://news.google.com/rss/articles/CBMilgFBVV95cUxNcnpJQTA2WXJyNGJ4alM2b1dwUFZTb2pRQjk2ZTF2QlM5RlNQYW5rT0hRM3J6RnZzZXU3dDV5ZU9yY0QtQTA3cjFmLWh3OE5GVkF3TjREMXBvb0hqd3lDeXpmY3hWVEVsRjB3WFNfVDRXc3VObVpWZlRJbEFWeUJVdTM2cUxPQmswcVVucWU4TXJUTk10TkE?oc=5) · Cody Enterprise
- 2022-06-30 [Sunlight opens new facility in Worland - Northern Wyoming News](https://news.google.com/rss/articles/CBMinAFBVV95cUxOeHlEOW9oQ3ZkWTBKbjdzVkI4b0xEeFh5VnZSdm41WHdfb3NvNkRmSE9aRldvRzhNc3NlRW9uS3FfRnhRVXBaM2ZqdzdGaWxNQkg5VnIwQWVackNJNGZxMktfZGNpVTg1ZFJQVFdrdlRnelE1blllNG5xZ1d1Wi15NTVlY3RxR1BxbHJKemJ4VDk2Umxzal9DSVRLWWY?oc=5) · Northern Wyoming News
- 2023-09-24 [Morris "Bill" William Brazelton Obituary Sep 24, 2023 - Thompson Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE91OFZVYjlzemNDV18tRVQxNGhFdHFJdkZ0clZyM3JMSjhSMGlpd2ZPY05CU2RNWFMtOWtCNTFwNTFjUWktcHc2NC1IdVRaUUVLOVNIYkthTVloOW8yRG5RNVRuOGVkQWloYkgxUnZnRQ?oc=5) · Thompson Funeral Home & Cremation Services
- 2023-12-11 [How lenders are adapting new tech to strengthen underwriting activity - americanbanker.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOaUVST2luVTJCYTY0WDFyWTFrZlR1bkRTUnF2VmV3Rnpib2RFVTBrNHNkZFZFSGdxNDdtekhwTXBvU2pvWEpwdU5pa2tlYzFiN2FRQnRpR0JORkRjdXE4UjVCZUxOR2o3Zjl0OUx5SWk3VkF5Y3BuaWdJVDlQdmdfQXpOMUlCLVlvMk9GcFFaa0EwanFfTndBT19VQWdkTHhKYS0zb3ZFMk11eUJUdVg4TWV3eEF0QXNScnc?oc=5) · americanbanker.com
- 2019-12-05 [Man Arrested in Cody Had $13K Cash, Credit Card Writer & 23 Cards - K2 Radio](https://news.google.com/rss/articles/CBMiigFBVV95cUxONHpURG04TGxrNmdYY2RVVTM0UjFGeXZiLXhRSEJxbzRiVERrS1czaHhEWFF4Rm96aWJuY3BVT3RNQ1lyYmRvb2E4ckNOWDBMTlpIYjkyT2JlQW5RMzBIQVRqUWhMZkhBcElQM0NSUGVRSXhzVXQ1ZnA5ekkyTXJCaDFVVDY4SEVaWUE?oc=5) · K2 Radio
- 2012-07-10 [Weber County Jail walkaway arrested for string of bank robberies - Standard-Examiner](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdENnMnJ2Q0lUVU9MaWxKUTk1MV9lX1hoR19XaDVQLVFheHJxb0FudWNTOUpOaXZQcU0yaHNoUk9sRU1lWVgtZmdMU1BXWEdnZ2lkSkgtX2p0TUNlR1N2TGNlVTFCLUw0Z28wdGkzX2F3VE9wN2tvcDNFZC1yalVCQ013bmxFTkFpZjVYTnlrRmJSd2ZoVFQ5N0puMTVlcDRLTkJMSHN5VDQweGxuaEZsTm1MQWk?oc=5) · Standard-Examiner

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8733 (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/29.json (key "8733", 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=8733
- 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