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
- NCUSIF 81/100
- CAMELS 9.3%
- HEALTH 1.56%
- NW 0.49%
- DELQ $1.19B
- ROA 88,205
- ASSETS #2,648/4,374
- MEM First Commerce
- RANK 68710
Call Report peers
SUNMARK in the assets neighbourhood
SUNMARK's $1.19B assets sit next to First Commerce ($1.19B) 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.
SUNMARK 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
81 39th percentile higher than 39% 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
SUNMARK - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68710, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SUNMARK Call Report trajectory
SUNMARK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $1.19B (2025Q4) to $1.20B (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.08% → 9.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for SUNMARK, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.19B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 SUNMARK financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SUNMARK carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,648 of 4,374; by total assets it ranks #404 of 4,374 nationally (same basis as /rankings/largest); and #23 of 272 within New York. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.26% net worth ratio and a 1.56% delinquency rate.
How does SUNMARK compare to other credit unions?
On PlainCU's health composite, SUNMARK lands at 81/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like SUNMARK 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. SUNMARK's net worth ratio of 9.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUNMARK offer compared to banks?
Credit unions like SUNMARK 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 SUNMARK 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.