Federal credit union · Richmond, California · NCUA charter #5359
Sun Pacific
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $29.3M
- Total assets
- 1,551
- Members
- 20.3%
- Net-worth ratio
Sun Pacific scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.3M; members 1,551; net-worth ratio 20.25%; health rank #2,811 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,811 of 4,374 health · 2025Q4Sun Pacific · health 79/100 · $29.3M · 2025Q4
Call Report peers
Sun Pacific in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sun Pacific vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sun Pacific sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Sun Pacific: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 20.25% vs peer 14.86% (+5.39 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.57 pp (46.23% vs 59.80%).
California standing for Sun Pacific
- In California, health place is #164 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #207 of 243 inside California ($29.3M reported).
- Membership ranks #214 of 243 among California CUs with a reported count (1,551 members).
- One place up in California, Northrop Grumman (#163) scores 80/100, 1 point higher; one place down, L. a. Electrical Workers Credit Un. (#165) ties at 79/100.
Sun Pacific: 2025Q4 → 2026Q1
Sun Pacific: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $29.3M (2025Q4) to $29.8M (2026Q1).
- Net-worth ratio shifted -0.17 pp (20.42% → 20.25%).
At 20.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Sun Pacific gives up 21 points in total. Member Growth costs the most, 11.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.25% | +5.39 pp |
| Delinquency Rate | 0.95% | -0.19 pp |
| Return on Assets | 1.21% | +0.51 pp |
| Member Growth | -2.88% | - |
| Loan-to-Share Ratio | 46.23% | -13.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Sun Pacific quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.8M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Sun Pacific, spread across 3 cities in 3 states.
| Office | City |
|---|---|
| Main (Main Office) | Richmond, CA |
| Fiserv Data Vaulting | Lewisville, TX |
| Fiserv | Lincoln, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Sun Pacific
Using this data
- Sun Pacific ranks #2,811 of 4,374 nationally on financial health and #164 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SLO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SLO
Frequently Asked Questions
Is Sun Pacific financially healthy?
On its 2025Q4 NCUA 5300 filing, Sun Pacific scores 79/100 (Very Good), with a 20.25% net worth ratio and 0.95% of loans delinquent. It ranks #2,811 of 4,374 nationally on health and #164 of 243 in California.
How does Sun Pacific compare to other credit unions?
Sun Pacific scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.25% vs 14.86%). Its widest shortfall is loan-to-share ratio (46.23% vs 59.80%).
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?
Sun Pacific is a federal credit union; its shares are federally 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 20.25% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.