# SUN COMMUNITY
El Centro, CA · NCUA charter 9296 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sun-community-9296

Who the members are: federal charter, community charter, organized 1954, low-income designated, minority depository institution. 55,062 members of 180,000 potential (30.6% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 49.

**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 | $896.5M |
| Members | 55,062 (6.7% YoY) |
| Full-time staff | 156 |
| Net worth | $77.4M |
| Net worth ratio | 8.6% (p14 of band) |
| ROA (annualized) | 0.46% (p34 of band) |
| Total delinquency | 1.19% (p86 of band) |
| Net charge-offs (annualized) | 0.66% (p72 of band) |
| Loans / shares | 82% (p51 of band) |
| Cash / assets | 8.6% |
| Borrowings / assets | 2.23% |
| Net interest margin | 3.65% (p66 of band) |
| Operating expense / assets | 3.94% (p68 of band) |
| Vehicles % of loans | 22% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p15 of band) |
| Vehicle delinquency | 0.08% (p4 of band) |
| Vehicle NCO | 0.16% (p8 of band) |
| Repossessed % of vehicle book | 0.16% (p77 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 406% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 30% |
| Average share balance | $7,152 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $52.6M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $24,539 |
| Loans granted, annualized | $288.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $52.6M outstanding purchased (68.0% of net worth), $26.6M sold and retained. Sold in 4 and bought in 6 of the last 8 quarters. Shares 10.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | net worth falling, leaning on borrowings |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | leaning on borrowings |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 3 | delinquency rising, members leaving, leaning on borrowings |  |
| 2018-03 | 2 |  | leaning on borrowings |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | members leaving |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital, losing money | delinquency rising |
| 2020-09 | 3 | margin squeeze | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-06 | 3 |  | margin squeeze, delinquency 2x band |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 1 |  | delinquency 2x band, delinquency rising |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 0 |  | thin capital |
| 2024-03 | 2 | thin capital, delinquency rising |  |
| 2024-06 | 2 | delinquency 2x band | thin capital |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | thin capital, net worth falling |  |
| 2025-06 | 0 |  | delinquency rising, delinquency 2x band, thin capital, net worth falling |
| 2025-09 | 1 | delinquency 2x band |  |
| 2025-12 | 2 | thin capital |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2026-03-19 [Sun Community breaks ground in Calexico - Imperial Valley Press Online](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOSUk1bk16dzNPMl81azl0Mmg3RmRLaFZfZ3Mwa2lNVkpwRkZ5MGhjX2hNLVg1RGhVcE5ENUFNenlfc3h3cWhMZ1BWdDJTREYtUTBHVlR1UTNrQk5FSVlOalV2TkhRSUxmdTNnSnBkdURSanRHdVd2Tm1qUWVXQlYycG1YbG5PMlZsTXpHTWtwQmt0Wl8tcWZYNnhNakROWEs1eExwV1I4Um1rUkRyRzVuQ0NwZDNldk94SjcwdF9URHVHQQ?oc=5) · Imperial Valley Press Online
- 2022-07-13 [County Hires Sun Community as Lending Consultant - Calexico Chronicle](https://news.google.com/rss/articles/CBMilAFBVV95cUxPRFI0aS12eUNGSl9ES0I5cmFwTnF4UnB1X0hIM2hkQm93eDJubmw1cm1jQzdIcnQ0b2ZFQ1dqOVBhOXd2WUxOZWdaM3FHTW4zb04wZEE4STViZ1phMXQ4dmtUWFRkMUc5WDBXQmdRZFJQWGktaUhMNy00RUIxSlh3emFuUk9Ic1M4ZHVTa1AwbnVXUmpt?oc=5) · Calexico Chronicle
- 2019-12-26 [Sun Community Seeking to Move Holtville Branch - Holtville Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxQaGs0S1l1bWxBVVdLcEc1VlRQNFNIdk5aay1fVzF6VUNjci0xdHNwSTNES2NzM3A0UWhncERwS3BwNUlldkdIQzJCaDRQSnpMb2ZQR19EV2tMbTYtMG85LUFqMEdQcFJEd0x1eUtjNE1IWmRwVWpnVl81bi1BYVRXaFByVDU1Wm0zT2t4bE5LS1g?oc=5) · Holtville Tribune
- 2022-11-30 [Sun Community branch celebrates anniversary - Calexico Chronicle](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdUxCaDBJdlViN2xESUpSN1JWUWxfMUZSZFBGTDFVUVlrMnozQjNOY1RwdFVwUGZKVFE2ZmhwWmcxWHZZSjFPNTVMRDdWanBEb1hETFVXeDQ0N1ZJLUlTX0p3OHRHQXdMM1FpcF9BUVZ6RV8tRUlpOHRVRmg5dGFVVVNrU3h4RkZ1Ym82VzR3?oc=5) · Calexico Chronicle
- 2025-07-02 [Victor Nava takes helm as new president of Regional Chamber - The Desert Review](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNZXVOSWY5X3U0anJ6WW03b0I0ajJsc1N1NnRnU2E4Q25QQ2dXUkNyMlh3VW43dTdHZ05QSkFidDg3RkgycEJMMWZqRmtQN2kydnhaUTMzTS1KR1pJRFRwX2pfcEVKSkk1WnBuUnpNc2x1UC1WR3lsblAtN3FDUFNnbHAzTTBCTXZjNTZSMjJSamtPTDdfYnB3QjUyTkU1SkRJLXBPeUppUnJGNlczaHBTakRVZHh5UGJHbzdBdktxbl9pYXV5WkhfN2RweEZqVGg2MzJIWXQ0RWU5STNidW9N?oc=5) · The Desert Review
- 2025-03-31 [20 Under 40: Karla Duarte - Imperial Valley Press Online](https://news.google.com/rss/articles/CBMitwFBVV95cUxPeTFnVkN2aGp5Y1hzc0o5bjB3VFpkRVlKWTV3S3FMUDc2SmRlLWc3aXFCdE1JYnpUa3RKLU9fcUdMNGVxMUxhd3haQ3ZTRk5YOTlVazN1RmZsX3hwUEJ2TTJNTkdPLVJha0xaeXE1RUI1djJrWXVZQWxBVWMyZUN3Uk9GSkVaaW9ickUtT25XX1ItZm45dzBJX2RZWnpqd0h2UzVxaDVON3lJWThZVlVEbWdPWkVKalU?oc=5) · Imperial Valley Press Online
- 2022-01-06 [Brawley Man Tied to Holtville Credit Union Heist - Holtville Tribune](https://news.google.com/rss/articles/CBMipwFBVV95cUxPdy1QUFg3TUJpZXptbFpWNzN1S1ItOV80Si1RVXBmOGMya1p5MUtwMUF4MnVVRmJaTWd0ZVRxNlVzQjJYaWMzY1ExZGJXRHdjUll6aU5YenlLREpzcV9ZUnkyUnYzdHRkVnhZV2xDNGg1T0ZuNUJkUXcycTFXM2I3bkpJU3V0VzN0Tmhtd09acEpoZjNTaEJNVHJVT1pxRlBPOVJOMVcyUQ?oc=5) · Holtville Tribune
- 2024-06-05 [Sun Community board tours soon-to-open Cambria Imperial Hotel - The Desert Review](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPekRBNWlOeXczMnM1RlVwV1RKcGk1YjNzX2RRWXBLZzJvRjRPNVpzbUc5eDN5Q3czWEVGYlIxVzNDVFBSNzluRmdpN0UzM3dCdGJia2wzUXhiOEVjS19pZGF4UWdrTWVrM3lDNHI5T2tfSGpYbVB5TklJd2FYNURFVGpmdzFYMWhKeXRKdmRBUTdVYm9KeU1zQWctbGQ2WGRrSWhLZzhLRkgxdmNsQTdjSHZHbER3WUZ5MW0zV29GWGdqaG9ld0VlSkZnbGIta0VZVmRuSjJDUkktTWtfSGNveWYzYkp0TWs?oc=5) · The Desert Review

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9296 (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/16.json (key "9296", 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=9296
- 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