TellerScore

Headquartered in Maumee, Ohio, Sun Federal Credit Union is a federal credit union with $675.9M in total assets and $601.1M in member shares and deposits as of Q2 2026. It operates 10 offices across 2 states. Its charter dates back to 1951.

Sun Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 137th. Problem-loan coverage contributes the most (85/100, 7.5%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.88%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity74/100
Loans ÷ shares: 86.2% · 8.1% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.48%

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 rose 3 points (60 → 63), mostly because the earnings component improved by 7 points.

TellerScore
586164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202459
Q1 202564
Q2 202560
Q3 202558
Q4 202558
Q1 202663
Q2 202663
Net worth ratio
7.00%8.94%10.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.40%
Q3 202410.50%
Q4 202410.33%
Q1 202510.47%
Q2 202510.52%
Q3 202510.62%
Q4 202510.58%
Q1 202610.74%
Q2 202610.88%
Delinquent loans (60+ days)
0.58%0.93%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.77%
Q4 20241.01%
Q1 20250.58%
Q2 20251.02%
Q3 20251.28%
Q4 20251.27%
Q1 20260.89%
Q2 20261.02%
Return on assets
0.39%0.53%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.40%
Q4 20240.41%
Q1 20250.41%
Q2 20250.49%
Q3 20250.53%
Q4 20250.46%
Q1 20260.63%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$675.9M10.88%1.02%0.67%86.2%
Q1 202663$671.0M10.74%0.89%0.63%87.0%
Q4 202558$677.9M10.58%1.27%0.46%89.8%
Q3 202558$670.1M10.62%1.28%0.53%91.0%
Q2 202560$672.2M10.52%1.02%0.49%89.5%
Q1 202564$664.1M10.47%0.58%0.41%87.8%
Q4 202459$667.9M10.33%1.01%0.41%89.6%
Q3 202462$657.3M10.50%0.77%0.40%90.3%
Q2 202461$647.1M10.40%0.77%0.39%88.4%

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).

Capital ratio10.88%
42nd
Problem loans1.02%
29th
Net charge-offs0.26%
63rd
Return on assets0.67%
44th
Loans to deposits86.2%
26th
Uninsured deposits8.1%
29th
Loan-loss reserves0.00%
50th
Texas ratio7.5%
23rd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Sharefax Credit UnionCredit union Cincinnati, OH59 out of 100, Moderate$720.8M9.8%1.11%vs
Homeland Credit UnionCredit union Chillicothe, OH82 out of 100, Strong$624.2M15.8%1.10%vs
Bmi Federal Credit UnionCredit union Dublin, OH68 out of 100, Moderate$732.3M10.4%0.46%vs
Pathways Financial Credit UnionCredit union Columbus, OH67 out of 100, Moderate$771.9M10.8%1.08%vs
Firelands Federal Credit UnionCredit union Bellevue, OH68 out of 100, Moderate$579.9M9.6%0.82%vs
Desco Federal Credit UnionCredit union Portsmouth, OH76 out of 100, Strong$550.7M11.8%0.51%vs

Deposit insurance

Is my money safe at Sun Federal Credit Union?

Yes. Sun Federal Credit Union is a federally insured credit union (NCUA charter #7064). 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 8.1% of shares and deposits ($48.4M) 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 10.88%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Sun Federal Credit Union lists 10 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sun Federal Credit Union reported 746 home-loan applications under HMDA (LEI 549300VGZHXNY2T0G559): 513 originated ($59,655,000 total), 140 denied, and 89 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.3%, 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 Federal Credit Union
Type
Federal credit union
NCUA charter #
7064
RSSD ID
265087
Primary regulator
NCUA
Established
1951
Headquarters
1627 Holland Rd, Maumee, OH 43537
Employees
141

Quick answers

Sun Federal Credit Union: common questions

Is Sun Federal Credit Union NCUA insured?

Yes. Sun Federal Credit Union is a federally insured credit union (NCUA charter #7064). 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 Federal Credit Union's TellerScore?

63 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 Federal Credit Union have?

10 offices as of the latest NCUA data, in 2 states.

Nearby

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Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Parish Federal Credit UnionCredit union Toledo, OH87 out of 100, Very strong$24.0M11.8%0.06%vs