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.
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NCUA 5300 Call Report Masthead
#2,781 of 4,374 health · 2025Q4Sunrise Family · health 80/100 · $128.2M · 2025Q4
Call Report peers
Sunrise Family in the assets neighbourhood
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Sunrise Family vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Sunrise Family sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Michigan, Northern Lights Community (#138) ties at 80/100; one place down, Integra First (#140) ties at 80/100.
How Sunrise Family's 5300 filing moved
Sunrise Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $128.2M (2025Q4) to $132.9M (2026Q1).
- Net-worth ratio shifted -0.24 pp (9.45% → 9.21%).
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
Sunrise Family gives up 20 points in total. Member Growth costs the most, 9.3 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Sunrise Family financially healthy?
On its 2025Q4 NCUA 5300 filing, Sunrise Family scores 80/100 (Excellent), with a 9.21% net worth ratio and 0.15% of loans delinquent. It ranks #2,781 of 4,374 nationally on health and #139 of 171 in Michigan.
How does Sunrise Family compare to other credit unions?
Sunrise Family scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.15% vs 0.89%). Its widest shortfall is loan-to-share ratio (42.96% vs 72.20%).
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?
Sunrise Family 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. Sunrise Family's net worth ratio of 9.21% 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.