Federal credit union · Richmond, California · NCUA charter #5359
Sun Pacific
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $29.3M
- Total assets
- 1,551
- Members
- 19.4%
- Net-worth ratio
Sun Pacific - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5359: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Sun Pacific - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth25
- Liquidity (loan-to-share)68
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 19.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.37% | 30% |
| Delinquency Rate | 0.95% | 25% |
| Return on Assets | 1.21% | 15% |
| Member Growth | -2.88% | 15% |
| Loan-to-Share Ratio | 46.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $29.3M | 1,551 |
| 2024Q4 | $28.7M | 1,597 |
| 2023Q4 | $29.4M | 1,661 |
Credit Union Details
- Charter Number
- 5359
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- Richmond
- Data Quarter
- 2025Q4
What This Data Says About Sun Pacific
1,551 members and $29.3M in total assets sit behind Sun Pacific, a federal credit union in Richmond, California, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $11.3M in outstanding loans as of Q4 2025 and a net worth ratio of 19.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5359 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.95% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 46.23% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.21% on net income of $356K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.88%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sun Pacific financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Sun Pacific carries a financial health score of 79/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.37% net worth ratio and a 0.95% delinquency rate.
How does Sun Pacific compare to other credit unions?
Five weighted metrics from NCUA filings produce Sun Pacific's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sun Pacific?
Sun Pacific serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Sun Pacific directly for the current list of qualifying groups.
Is my money safe at Sun Pacific?
Federal credit unions like Sun Pacific are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sun Pacific's net worth ratio of 19.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sun Pacific offer compared to banks?
Credit unions like Sun Pacific are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sun Pacific directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.