Federal credit union · PORTLAND, Oregon · NCUA charter #13416
SUNSET
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $90.2M
- Total assets
- 3,561
- Members
- 15.9%
- Net-worth ratio
SUNSET scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $90.2M; members 3,561; net-worth ratio 15.93%; health rank #2,076 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,076 of 4,374 health · 2025Q4SUNSET · health 84/100 · $90.2M · 2025Q4
Call Report peers
SUNSET in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNSET vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUNSET 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
SUNSET vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 104.33% here, 62.60% peer average (+41.73 pp).
- Largest lag: Delinquency Rate at 1.08% vs peer 0.96% (+0.12 pp).
Oregon standing for SUNSET
- In Oregon, health place is #24 of 48 on the same NCUA-ratio sort used nationally.
- Assets rank #32 of 48 inside Oregon ($90.2M reported).
- Membership ranks #37 of 48 among Oregon CUs with a reported count (3,561 members).
- One place up in Oregon, GATEWAY (#23) scores 85/100, 1 point higher; one place down, Nw Preferred (#25) ties at 84/100.
SUNSET Call Report trajectory
SUNSET: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $90.2M (2025Q4) to $91.4M (2026Q1).
- Net-worth ratio shifted +0.16 pp (15.77% → 15.93%).
At 15.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
SUNSET gives up 16 points in total. Loan-to-Share Ratio costs the most, 6.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.93% | +2.31 pp |
| Delinquency Rate | 1.08% | +0.12 pp |
| Return on Assets | 0.97% | +0.32 pp |
| Member Growth | 1.28% | - |
| Loan-to-Share Ratio | 104.33% | +41.73 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
SUNSET quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $91.4M | - |
| 2025Q4 | $90.2M | 3,561 |
| 2024Q4 | $89.6M | 3,516 |
| 2023Q4 | $91.5M | 3,448 |
Credit Union Details
- Charter Number
- 13416
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Oregon
- City
- PORTLAND
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for SUNSET.
| Office | City |
|---|---|
| Sunset Science Park FCU (Main Office) | Portland, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near SUNSET
Using this data
- SUNSET ranks #2,076 of 4,374 nationally on financial health and #24 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FORRIT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FORRIT
Frequently Asked Questions
Is SUNSET financially healthy?
On its 2025Q4 NCUA 5300 filing, SUNSET scores 84/100 (Excellent), with a 15.93% net worth ratio and 1.08% of loans delinquent. It ranks #2,076 of 4,374 nationally on health and #24 of 48 in Oregon.
How does SUNSET compare to other credit unions?
SUNSET scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (104.33% vs 62.60%). Its widest shortfall is delinquency rate (1.08% vs 0.96%).
How can I join SUNSET?
SUNSET 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 SUNSET directly for the exact boundaries and application steps.
Is my money safe at SUNSET?
SUNSET 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. SUNSET's net worth ratio of 15.93% 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.