State credit union · Bay City, Michigan · NCUA charter #61995
Sunrise Family
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $128.2M
- Total assets
- 11,134
- Members
- 9.2%
- Net-worth ratio
Sunrise Family scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $128.2M; members 11,134; net-worth ratio 9.21%; health rank #2,781 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,781 of 4,374 health · 2025Q4Sunrise Family · health 80/100 · $128.2M · 2025Q4
- HEALTH 80/100
- NW 9.2%
- DELQ 0.15%
- ROA 0.29%
- ASSETS $128.2M
- MEM 11,134
- RANK #2,781/4,374
- PHOTO Gas and Electric
- BOOK 61995
Call Report peers
Sunrise Family in the assets neighbourhood
Sunrise Family's $128.2M assets sit next to Gas and Electric ($128.0M) 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.
Sunrise Family 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
80 36th percentile higher than 36% 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
Sunrise Family - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61995 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for Sunrise Family
- Largest favorable gap: Delinquency Rate at 0.15% vs peer 0.89% (-0.75 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -29.24 pp (42.96% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sunrise Family in Michigan
- In Michigan, health place is #139 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #103 of 171 inside Michigan ($128.2M reported).
- Michigan membership ordinal: #92 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Sunrise Family's 5300 filing moved
Sunrise Family: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $128.2M (2025Q4) to $132.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.45% → 9.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.9 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Sunrise Family
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.21% | -2.90 pp |
| Delinquency Rate | 0.15% | -0.75 pp |
| Return on Assets | 0.29% | -0.33 pp |
| Member Growth | -1.84% | - |
| Loan-to-Share Ratio | 42.96% | -29.24 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).
Sunrise Family quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $132.9M | - |
| 2025Q4 | $128.2M | 11,134 |
| 2024Q4 | $133.8M | 11,343 |
| 2023Q4 | $138.6M | 14,265 |
Credit Union Details
- Charter Number
- 61995
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Bay City
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Sunrise Family runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Sunrise Family Credit Union (Main Office) | Bay City, MI |
| Essexville Branch | Essexville, MI |
| Standish Branch | Standish, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Sunrise Family, both outside Michigan 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 ($128.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Sunrise Family ranks #2,781 of 4,374 nationally on financial health and #139 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Straits Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Straits Area
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 Sunrise Family financially healthy?
Sunrise Family has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,781 of 4,374; by total assets it ranks #1,616 of 4,374 nationally (same basis as /rankings/largest); and #103 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.21% and delinquency rate of 0.15%.
How does Sunrise Family compare to other credit unions?
80/100 is Sunrise Family'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 Sunrise Family?
Membership eligibility for Sunrise Family depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sunrise Family directly for current membership requirements and application steps.
Is my money safe at Sunrise Family?
Federal credit unions like Sunrise Family 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. Sunrise Family's net worth ratio of 9.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sunrise Family offer compared to banks?
Credit unions like Sunrise Family 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 Sunrise Family 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.