Federal credit union · CODY, Wyoming · NCUA charter #8733
SUNLIGHT
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $217.5M
- Total assets
- 8,704
- Members
- 11.5%
- Net-worth ratio
SUNLIGHT scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $217.5M; members 8,704; net-worth ratio 11.51%; health rank #2,124 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,124 of 4,374 health · 2025Q4SUNLIGHT · health 84/100 · $217.5M · 2025Q4
- CAMELS 84/100
- HEALTH 11.5%
- NW 0.87%
- DELQ 0.37%
- ROA $217.5M
- ASSETS 8,704
- MEM #2,124/4,374
- RANK BILLINGS
- PHOTO 8733
Call Report peers
SUNLIGHT in the assets neighbourhood
SUNLIGHT's $217.5M assets sit next to BILLINGS ($217.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNLIGHT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% 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
SUNLIGHT - Share Insurance Coverage
Charter #8733's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SUNLIGHT vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.87% vs peer 0.89% (-0.02 pp).
- Net Worth Ratio trails the peer set - 11.51% here, 12.11% peer average (-0.60 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SUNLIGHT in Wyoming
- In Wyoming, health place is #12 of 18 on the same NCUA-ratio sort used nationally.
- Wyoming assets place: #8 of 18.
- Membership ranks #10 of 18 among Wyoming CUs with a reported count (8,704 members).
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SUNLIGHT: 2025Q4 → 2026Q1
SUNLIGHT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $217.5M (2025Q4) to $216.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.50% → 11.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 13.1 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for SUNLIGHT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.51% | -0.60 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 0.37% | -0.25 pp |
| Member Growth | -2.17% | - |
| Loan-to-Share Ratio | 71.86% | -0.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - SUNLIGHT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $216.9M | - |
| 2025Q4 | $217.5M | 8,704 |
| 2024Q4 | $216.6M | 8,897 |
| 2023Q4 | $200.5M | 9,045 |
Credit Union Details
- Charter Number
- 8733
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Wyoming
- City
- CODY
- Data Quarter
- 2025Q4
Branch Locations (4)
SUNLIGHT operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Sunlight Federal Credit Union (CODY OFFICE) (Main Office) | Cody, WY |
| Sunlight Federal Credit Union (POWELL OFFICE) | Powell, WY |
| Sunlight Federal Credit Union (SHERIDAN OFFICE) | Sheridan, WY |
| Sunlight Federal Credit Union (WORLAND OFFICE) | Worland, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for SUNLIGHT - kept outside Wyoming; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($217.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- SUNLIGHT ranks #2,124 of 4,374 nationally on financial health and #12 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grand Altitude is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grand Altitude
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SUNLIGHT financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SUNLIGHT carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,124 of 4,374; by total assets it ranks #1,223 of 4,374 nationally (same basis as /rankings/largest); and #8 of 18 within Wyoming. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.51% net worth ratio and a 0.87% delinquency rate.
How does SUNLIGHT compare to other credit unions?
84/100 is SUNLIGHT's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 SUNLIGHT?
SUNLIGHT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SUNLIGHT directly for the exact boundaries and application steps.
Is my money safe at SUNLIGHT?
Federal credit unions like SUNLIGHT 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. SUNLIGHT's net worth ratio of 11.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUNLIGHT offer compared to banks?
Credit unions like SUNLIGHT 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 SUNLIGHT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.