Side-by-side · Q2 2026 data
Beginnings Credit Union vs Sunmark Credit Union
Metric by metric
| Measure | Beginnings Credit Union | Sunmark Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 56 |
| Capital cushion | 90 (stronger) | 45 |
| Loan quality | 77 (stronger) | 54 |
| Earnings | 49 | 52 (stronger) |
| Funding & liquidity | 78 (stronger) | 75 |
| Problem-loan coverage | 93 (stronger) | 76 |
| Peer percentile | 82nd | 15th |
| Total assets | $1.5B | $1.2B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 14.01% (stronger) | 9.46% |
| Problem loans | 0.69% (stronger) | 1.37% |
| Net charge-offs | 0.39% (stronger) | 0.52% |
| Return on assets | 0.73% | 0.81% (stronger) |
| Loans ÷ deposits | 82.3% (stronger) | 85.1% |
| Uninsured deposits | 9.2% | 4.6% (stronger) |
| Offices | 14 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.3% |
Beginnings Credit Union has the higher TellerScore (77 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Beginnings Credit Union leads on 5 and Sunmark Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.