State credit union · Albany, New York · NCUA charter #68710
SUNMARK
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $1.19B
- Total assets
- 88,205
- Members
- 9.3%
- Net-worth ratio
SUNMARK scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.19B; members 88,205; net-worth ratio 9.26%; health rank #2,648 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,648 of 4,374 health · 2025Q4SUNMARK · health 81/100 · $1.19B · 2025Q4
Call Report peers
SUNMARK in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNMARK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUNMARK sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SUNMARK: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 87.35% here, 83.90% peer average (+3.45 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.92 pp (9.26% vs 11.18%).
SUNMARK in New York
- In New York, health place is #151 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, SUNMARK is #23 of 272 in New York.
- New York membership ordinal: #17 of 272.
- One place up in New York, Griffith Institute Employees (#150) ties at 81/100; one place down, Medical Employees of Staten Island (#152) ties at 81/100.
SUNMARK Call Report trajectory
SUNMARK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $1.19B (2025Q4) to $1.20B (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.08% → 9.26%).
At 9.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
SUNMARK gives up 19 points in total. Delinquency Rate costs the most, 9.2 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 15.8 pts
- Return on Assets 14.8 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.26% | -1.92 pp |
| Delinquency Rate | 1.56% | +0.68 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | -1.18% | - |
| Loan-to-Share Ratio | 87.35% | +3.45 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SUNMARK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.20B | - |
| 2025Q4 | $1.19B | 88,205 |
| 2024Q4 | $1.14B | 89,255 |
| 2023Q4 | $1.16B | 89,400 |
Credit Union Details
- Charter Number
- 68710
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- Albany
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for SUNMARK, spread across 14 cities.
| Office | City |
|---|---|
| Sunmark Credit Union - Headquarters (Main Office) | Latham, NY |
| Stratton VA Medical Center Branch | Albany, NY |
| Milton | Ballston Spa, NY |
| Colonie Vly Road | Colonie, NY |
| Delmar Branch | Delmar, NY |
| Glenmont Branch | Glenmont, NY |
| Glenville Branch | Glenville, NY |
| Guilderland Branch | Guilderland, NY |
| Clifton Park Branch | Halfmoon, NY |
| Hudson | Hudson, NY |
| Mohegan Lake | Mohegan Lake, NY |
| Wilton Branch | Saratoga Springs, NY |
| Sunmark Credit Union - Schenectady | Schenectady, NY |
| Rotterdam Branch | Schenectady, NY |
| Five Corners Branch | Schenectady, NY |
| Brunswick Branch | Troy, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for SUNMARK
Similar total assets
Using this data
- SUNMARK ranks #2,648 of 4,374 nationally on financial health and #151 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SIDNEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SIDNEY
Frequently Asked Questions
Is SUNMARK financially healthy?
On its 2025Q4 NCUA 5300 filing, SUNMARK scores 81/100 (Excellent), with a 9.26% net worth ratio and 1.56% of loans delinquent. It ranks #2,648 of 4,374 nationally on health and #151 of 272 in New York.
How does SUNMARK compare to other credit unions?
SUNMARK scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.35% vs 83.90%). Its widest shortfall is net worth ratio (9.26% vs 11.18%).
How can I join SUNMARK?
Membership eligibility for SUNMARK depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SUNMARK directly for current membership requirements and application steps.
Is my money safe at SUNMARK?
SUNMARK is a state-chartered 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. SUNMARK's net worth ratio of 9.26% 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.