TellerScore

Headquartered in Cody, Wyoming, Sunlight Federal Credit Union is a federal credit union with $210.6M in total assets and $189.3M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1953.

Sunlight Federal Credit Union has a TellerScore of 31 out of 100 (low) based on Q2 2026 data — higher than only 0% of its 1,341 credit unions with $100 million – $1 billion. Among 18 credit unions headquartered in Wyoming, it ranks 18th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 7% uninsured); earnings contributes the least (0/100, -3.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.26%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 7.34%
Earnings0/100
Return on assets (annualized): -3.24%
Funding & liquidity91/100
Loans ÷ shares: 69.5% · 7.0% uninsured
Problem-loan coverage11/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 44.69%

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 12 points (43 → 31), mostly because the problem-loan coverage component weakened by 44 points.

TellerScore
315170Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202470
Q4 202470
Q1 202557
Q2 202543
Q3 202564
Q4 202564
Q1 202649
Q2 202631
Net worth ratio
7.00%9.29%11.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.50%
Q3 202411.57%
Q4 202411.46%
Q1 202511.54%
Q2 202511.49%
Q3 202511.42%
Q4 202511.50%
Q1 202611.51%
Q2 202610.26%
Delinquent loans (60+ days)
0.35%3.85%7.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.35%
Q4 20240.41%
Q1 20251.61%
Q2 20253.82%
Q3 20250.77%
Q4 20250.87%
Q1 20262.34%
Q2 20267.34%
Return on assets
-3.24%-1.43%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.29%
Q4 20240.37%
Q1 20250.17%
Q2 20250.17%
Q3 20250.05%
Q4 20250.09%
Q1 2026-0.09%
Q2 2026-3.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202631$210.6M10.26%7.34%-3.24%69.5%
Q1 202649$216.9M11.51%2.34%-0.09%69.9%
Q4 202564$217.5M11.50%0.87%0.09%71.9%
Q3 202564$218.1M11.42%0.77%0.05%74.8%
Q2 202543$217.7M11.49%3.82%0.17%76.2%
Q1 202557$216.0M11.54%1.61%0.17%77.7%
Q4 202470$216.6M11.46%0.41%0.37%77.3%
Q3 202470$211.6M11.57%0.35%0.29%79.3%
Q2 202468$212.4M11.50%0.52%0.38%81.8%

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).

Capital ratio10.26%
33rd
Problem loans7.34%
0th
Net charge-offs0.45%
41st
Return on assets-3.24%
0th
Loans to deposits69.5%
62nd
Uninsured deposits7.0%
39th
Loan-loss reserves0.00%
50th
Texas ratio44.7%
0th

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Grand Altitude Federal Credit UnionCredit union Lander, WY85 out of 100, Very strong$222.3M13.8%0.23%vs
Campco Federal Credit UnionCredit union Gillette, WY77 out of 100, Strong$227.6M11.5%0.45%vs
Western Vista Federal Credit UnionCredit union Cheyenne, WY62 out of 100, Moderate$280.8M9.3%0.68%vs
Stagepoint Federal Credit UnionCredit union Laramie, WY62 out of 100, Moderate$131.0M8.5%0.14%vs
Sheridan Community Federal Credit UnionCredit union Sheridan, WY65 out of 100, Moderate$105.0M10.8%1.42%vs
Wyhy Federal Credit UnionCredit union Cheyenne, WY47 out of 100, Below average$409.0M13.4%4.42%vs

Deposit insurance

Is my money safe at Sunlight Federal Credit Union?

Yes. Sunlight Federal Credit Union is a federally insured credit union (NCUA charter #8733). 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 7.0% of shares and deposits ($13.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Sunlight Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sunlight Federal Credit Union
Type
Federal credit union
NCUA charter #
8733
RSSD ID
359182
Primary regulator
NCUA
Established
1953
Headquarters
Po Box 190, Cody, WY 82414
Employees
40

Quick answers

Sunlight Federal Credit Union: common questions

Is Sunlight Federal Credit Union NCUA insured?

Yes. Sunlight Federal Credit Union is a federally insured credit union (NCUA charter #8733). 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 Sunlight Federal Credit Union's TellerScore?

31 out of 100 (Low), 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 Sunlight Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cody

InstitutionScoreAssetsCapitalProblem loansCompare
Uniwyo Federal Credit UnionCredit union Laramie, WY83 out of 100, Strong$825.6M12.6%0.70%vs
Valley Financial Credit UnionCredit union Billings, MT71 out of 100, Strong$600.9M10.7%0.25%vs