Credit Union Safety Analysis
Is Sun-Pacific Federal Credit Union Safe? Richmond, California
Based on its Q2 2026 NCUA 5300 call report, Sun-Pacific Federal Credit Union has a net worth ratio of 20.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.16%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Sun-Pacific Federal Credit Union's net worth ratio is 20.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.51%
- Delinquency ratio (60+ days) (Q2 2026): 1.16%
- Return on assets (Q2 2026): 1.19%
- Loan-to-share ratio (Q2 2026): 42.28%
Sun-Pacific Federal Credit Union (NCUA charter 5359, established 1946) reported $29.9M in assets and 1,507 members for Q2 2026 from Richmond, California. It ranks 206 of 238 credit unions in California by total assets. Total assets grew 2.0% from $29.3M on June 30, 2025. It has 43 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was up 0.39 percentage points from 20.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.6M of $10.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.16% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 20.25% for Q1 2026; 20.12% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.82% for Q1 2026; 0.70% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.74% for Q1 2026; 1.29% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 44.13% for Q1 2026; 46.55% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.6M
- Other unsecured loans and lines of credit: $2.0M
- Used vehicle loans: $1.8M
- New vehicle loans: $1.2M
- Unsecured credit card loans: $723K
- Other secured non-real estate loans and lines of credit: $61K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $29.9M | 20.51% | 1.16% | 1.19% | 42.28% |
| March 31, 2026 | $29.8M | 20.25% | 0.82% | 0.74% | 44.13% |
| December 31, 2025 | $29.3M | 20.42% | 0.95% | 0.13% | 46.23% |
| September 30, 2025 | $29.6M | 20.23% | 1.98% | 1.10% | 45.61% |
| June 30, 2025 | $29.3M | 20.12% | 0.70% | 1.29% | 46.55% |
| March 31, 2025 | $29.1M | 19.95% | 0.54% | 0.85% | 46.66% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Sun-Pacific Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5359) · FFIEC NIC profile (RSSD 735777)
Frequently asked questions
Is Sun-Pacific Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sun-Pacific Federal Credit Union's net worth ratio is 20.51%, above the 7% NCUA threshold for well capitalized.
Is Sun-Pacific Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sun-Pacific Federal Credit Union is a federally insured credit union (NCUA charter 5359): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sun-Pacific Federal Credit Union's key safety ratios?
For Q2 2026, Sun-Pacific Federal Credit Union reports net worth 20.51%, delinquency 1.16%, ROA 1.19%, loan-to-share 42.28%.
What happens to my money if Sun-Pacific Federal Credit Union fails?
For Q2 2026, Sun-Pacific Federal Credit Union held $24.9M in shares and deposits for 1,507 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.