Sun Pacific Federal Credit Union (NCUA charter #5359) is based in Richmond, California. Its Q2 2026 call report shows $29.9M in total assets and $24.9M in member shares and deposits and 3 offices across 3 states.
Based on its Q2 2026 filing, Sun Pacific Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 50th. Its strongest component is capital cushion (100/100; 20.51%), and its lowest is earnings (58/100; 0.96%).
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 6 points (87 → 81), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 88 |
| Q4 2024 | 86 |
| Q1 2025 | 86 |
| Q2 2025 | 87 |
| Q3 2025 | 75 |
| Q4 2025 | 82 |
| Q1 2026 | 83 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.99% |
| Q3 2024 | 19.36% |
| Q4 2024 | 20.04% |
| Q1 2025 | 19.95% |
| Q2 2025 | 20.12% |
| Q3 2025 | 20.23% |
| Q4 2025 | 20.42% |
| Q1 2026 | 20.25% |
| Q2 2026 | 20.51% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | 0.68% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.70% |
| Q3 2025 | 1.98% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.82% |
| Q2 2026 | 1.16% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.24% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.07% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.74% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $29.9M | 20.51% | 1.16% | 0.96% | 42.3% |
| Q1 2026 | 83 | $29.8M | 20.25% | 0.82% | 0.74% | 44.1% |
| Q4 2025 | 82 | $29.3M | 20.42% | 0.95% | 0.84% | 46.2% |
| Q3 2025 | 75 | $29.6M | 20.23% | 1.98% | 1.07% | 45.6% |
| Q2 2025 | 87 | $29.3M | 20.12% | 0.70% | 1.06% | 46.5% |
| Q1 2025 | 86 | $29.1M | 19.95% | 0.54% | 0.85% | 46.7% |
| Q4 2024 | 86 | $28.7M | 20.04% | 0.94% | 1.24% | 49.0% |
| Q3 2024 | 88 | $29.2M | 19.36% | 0.68% | 1.21% | 48.4% |
| Q2 2024 | 90 | $29.3M | 18.99% | 0.49% | 1.29% | 46.9% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Bakersfield City Employees Federal Credit UnionCredit union Bakersfield, CA | 78 out of 100, Strong | $30.1M | 12.1% | 0.03% | vs |
| Slo Credit UnionCredit union San Luis Obispo, CA | 77 out of 100, Strong | $29.1M | 14.5% | 0.20% | vs |
| Mattel Federal Credit UnionCredit union El Segundo, CA | 74 out of 100, Strong | $28.1M | 11.4% | 0.11% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| Capstone Federal Credit UnionCredit union Aliso Viejo, CA | 62 out of 100, Moderate | $31.9M | 12.8% | 1.69% | vs |
| Hanin Federal Credit UnionCredit union Los Angeles, CA | 69 out of 100, Moderate | $32.4M | 13.8% | 1.07% | vs |
Deposit insurance
Is my money safe at Sun Pacific Federal Credit Union?
Yes. Sun Pacific Federal Credit Union is a federally insured credit union (NCUA charter #5359). 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 8.3% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Sun Pacific Federal Credit Union lists 3 offices in 3 cities across 3 states. Most locations:
- Lewisville, TX (1)
- Lincoln, NE (1)
- Richmond, CA (1)
Identity & history
Profile
- Legal name
- Sun Pacific Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5359
- RSSD ID
- 735777
- Primary regulator
- NCUA
- Established
- 1946
- Headquarters
- PO Box 4043, Richmond, CA 94804
- Employees
- 7
Quick answers
Sun Pacific Federal Credit Union: common questions
Is Sun Pacific Federal Credit Union NCUA insured?
Yes. Sun Pacific Federal Credit Union is a federally insured credit union (NCUA charter #5359). 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 Pacific Federal Credit Union's TellerScore?
81 out of 100 (Strong), 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 Pacific Federal Credit Union have?
3 offices as of the latest NCUA data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Richmond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |