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
Call Report peers
SUNLIGHT in the assets neighbourhood
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SUNLIGHT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUNLIGHT sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Wyoming, STAGEPOINT (#11) scores 85/100, 1 point higher; one place down, Sheridan Community (#13) scores 77/100, 7 points lower.
SUNLIGHT: 2025Q4 → 2026Q1
SUNLIGHT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $217.5M (2025Q4) to $216.9M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.50% → 11.51%).
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
SUNLIGHT gives up 16 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SUNLIGHT financially healthy?
SUNLIGHT has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,124 of 4,374 nationally on health and #12 of 18 in Wyoming. Its net worth ratio is 11.51% and its delinquency rate 0.87%.
How does SUNLIGHT compare to other credit unions?
SUNLIGHT scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.87% vs 0.89%). Its widest shortfall is net worth ratio (11.51% vs 12.11%).
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?
SUNLIGHT 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. SUNLIGHT's net worth ratio of 11.51% 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.