Richmond, California · Peer group 3
Sun Pacific Credit Union
Sun Pacific Credit Union holds $29.8M in assets across 1,536 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1946. Charter number 5359, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $29.8M |
|---|---|
| Total loans | $10.8M |
| Total shares (deposits) | $24.5M |
| Net worth | $6.0M |
| Members | 1,536 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.6% | |
|---|---|---|
| Loans | -3.6% | around the 43rd percentile of its peer group |
| Deposits | 1.9% | around the 54th percentile of its peer group |
| Members | -3.3% | around the 29th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 44.1% | around the 27th percentile of its peer group |
|---|---|---|
| Net worth ratio | 20.3% | around the 86th percentile of its peer group |
| Return on assets | 0.74% | around the 55th percentile of its peer group |
| Delinquency ratio | 0.82% | around the 61st percentile of its peer group |
| Cash / assets | 16.6% | around the 74th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Sun Pacific Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within California — the comparison set a peer ratio is measured against.
- Slo Credit Union
San Luis Obispo, CA
$29.7M · 1,315 members
- Bakersfield City Employees Credit Union
BAKERSFIELD, CA
$29.4M · 2,034 members
- Mattel Credit Union
El Segundo, CA
$29.1M · 1,870 members
- Hanin Credit Union
Los Angeles, CA
$31.7M · 2,228 members
- Fresno Grangers Credit Union
FRESNO, CA
$27.0M · 583 members
- El Monte Community Credit Union
El Monte, CA
$33.0M · 2,649 members
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