Sun Community Federal Credit Union is a federal credit union headquartered in El Centro, California, in business for about 72 years. At the end of Q2 2026 it reported $895.6M in total assets and $803.4M in member shares and deposits, with 6 offices.
Based on its Q2 2026 filing, Sun Community Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 199th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (10/100; -0.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (67 → 56), mostly because the earnings component weakened by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 52 |
| Q4 2024 | 51 |
| Q1 2025 | 53 |
| Q2 2025 | 67 |
| Q3 2025 | 55 |
| Q4 2025 | 52 |
| Q1 2026 | 53 |
| Q2 2026 | 56 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.08% |
| Q3 2024 | 9.36% |
| Q4 2024 | 9.16% |
| Q1 2025 | 8.69% |
| Q2 2025 | 9.02% |
| Q3 2025 | 9.12% |
| Q4 2025 | 8.97% |
| Q1 2026 | 8.63% |
| Q2 2026 | 8.40% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.74% |
| Q4 2024 | 1.60% |
| Q1 2025 | 1.33% |
| Q2 2025 | 0.39% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.61% |
| Q1 2026 | 1.19% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.70% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.83% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.46% |
| Q2 2026 | -0.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $895.6M | 8.40% | 0.25% | -0.25% | 84.3% |
| Q1 2026 | 53 | $896.5M | 8.63% | 1.19% | 0.46% | 81.5% |
| Q4 2025 | 52 | $850.9M | 8.97% | 1.61% | 0.75% | 84.4% |
| Q3 2025 | 55 | $826.0M | 9.12% | 1.48% | 0.83% | 83.3% |
| Q2 2025 | 67 | $822.7M | 9.02% | 0.39% | 0.98% | 79.8% |
| Q1 2025 | 53 | $820.5M | 8.69% | 1.33% | 0.53% | 80.4% |
| Q4 2024 | 51 | $766.5M | 9.16% | 1.60% | 0.50% | 85.6% |
| Q3 2024 | 52 | $753.5M | 9.36% | 1.74% | 0.70% | 83.8% |
| Q2 2024 | 54 | $764.2M | 9.08% | 1.53% | 0.73% | 79.8% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merced School Employees Federal Credit UnionCredit union Merced, CA | 81 out of 100, Strong | $899.0M | 11.8% | 0.44% | vs |
| Oceanair Federal Credit UnionCredit union Oxnard, CA | 49 out of 100, Below average | $882.5M | 7.4% | 0.48% | vs |
| Community First Credit UnionCredit union Santa Rosa, CA | 64 out of 100, Moderate | $921.0M | 10.3% | 1.22% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Skyone Federal Credit UnionCredit union Hawthorne, CA | 47 out of 100, Below average | $863.3M | 7.7% | 1.25% | vs |
| Sacramento Credit UnionCredit union Sacramento, CA | 96 out of 100, Very strong | $858.3M | 15.1% | 0.09% | vs |
Deposit insurance
Is my money safe at Sun Community Federal Credit Union?
Yes. Sun Community Federal Credit Union is a federally insured credit union (NCUA charter #9296). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 17.8% of shares and deposits ($142.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.40%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
Sun Community Federal Credit Union lists 6 offices in 6 cities. Most locations:
- Brawley, CA (1)
- Calexico, CA (1)
- Calipatria, CA (1)
- El Centro, CA (1)
- Holtville, CA (1)
- Imperial, CA (1)
HMDA 2025
Mortgage lending
In 2025, Sun Community Federal Credit Union reported 102 home-loan applications under HMDA (LEI 549300IS603VHWV5ZJ45): 90 originated ($30,330,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sun Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9296
- RSSD ID
- 348485
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 1068 Broadway Ave, El Centro, CA 92243
- Employees
- 166
Quick answers
Sun Community Federal Credit Union: common questions
Is Sun Community Federal Credit Union NCUA insured?
Yes. Sun Community Federal Credit Union is a federally insured credit union (NCUA charter #9296). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Sun Community Federal Credit Union's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Sun Community Federal Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near El Centro
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mechanics BankBank Walnut Creek, CA | 65 out of 100, Moderate | $21.2B | 9.4% | 0.41% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |
| Corazo Credit UnionCredit union El Centro, CA | 59 out of 100, Moderate | $243.6M | 14.0% | 2.51% | vs |
| Bank of America, National AssociationBank Charlotte, NC | 59 out of 100, Moderate | $2.7T | 7.1% | 0.65% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |