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Overview / Commentary
1068 Broadway St
El Centro, CA 92243-2315

Sun Community Credit Union is headquartered in El Centro and is the 93rd largest credit union in the state of California. It is also the 681st largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 111 employees and 36,197 members. Sun Community Credit Union's savings rates are 44% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or volunteer in Imperial County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sun Community Credit Union had $761,000 in non-current loans and owned real-estate with $34.77 million in equity and loan loss allowances on hand to cover it. This gives Sun Community Credit Union a Texas Ratio of 2.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sun Community Credit Union decreased dramatically from 4.96% as of March 31, 2013 to 2.19% as of March 31, 2014, resulting in a positive change of 55.86%.This indicates that the balance sheet and financial strength for Sun Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Sun Community Credit Union has increased its total deposits by $10.19 million, resulting in 3.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sun Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sun Community Credit Union has $310.26 million in assets with $34.77 million in equity, resulting in a capitalization level of 11.21%, which is excellent.

Institution Statistics

NCUA #9296
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$310.27 million
Loans$160.08 million
Deposits$275.68 million
Equity Capital$33.37 million
Loan Loss Allowance$1.40 million
Unbacked Noncurrent Loans$435,000
Real Estate Owned$326,000
Historic Data - March 2013
Assets$299.56 million
Equity Capital$32.19 million
Loan Loss Allowance$2.02 million
Unbacked Noncurrent Loans$435,000
Real Estate Owned$483,000
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.69%
Return on Equity6.42%
Interest Income$2.49 million
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Sun Community Credit Union Savings Account Rates

0.75%--Big Twelve Savings
0.50%--Savings Safari Club
0.50%--STAR Account
0.50%--Christmas Club
0.40%$100k-IRA Savings
0.40%$100k-Roth IRA Savings
0.40%$100k-CESA Savings
0.05%$5k-Regular Savings
0.05%$5k-Special Savings
0.05%$5k-Merchant Savings
0.05%$5k-Business Savings

Sun Community Credit Union Money Market Rates

0.50%$1m-Super Money Market
0.50%$1m-Merchant Money Market
0.50%$1m-Business Money Market

Sun Community Credit Union CD Rates

1.11%$500$100k6 Month CD
1.11%$100k-6 Month Jumbo CD
0.90%$500$100k60 Month CD
0.90%$100k-60 Month Jumbo CD
0.85%$500$100k12 Month CD
0.85%$100k-12 Month Jumbo CD
0.80%$500$100k48 Month CD
0.80%$100k-48 Month Jumbo CD
0.70%$500$100k24 Month CD
0.70%$500$100k36 Month CD
0.70%$100k-24 Month Jumbo CD
0.70%$100k-36 Month Jumbo CD
0.65%$500$100k18 Month CD
0.65%$100k-18 Month Jumbo CD
0.25%$500-12 Month Public Funds Certificate

Sun Community Credit Union IRA Rates

1.11%$500$100k6 Mionth IRA
1.11%$100k-6 Mionth Jumbo IRA
0.90%$500$100k60 Month IRA
0.90%$100k-60 Month Jumbo IRA
0.85%$500$100k12 Month IRA
0.85%$100k-12 Month Jumbo IRA
0.80%$500$100k48 Month IRA
0.80%$100k-48 Month Jumbo IRA
0.70%$500$100k24 Month IRA
0.70%$100k-24 Month Jumbo IRA
0.70%$500$100k36 Month IRA
0.70%$100k-36 Month Jumbo IRA
0.65%$500$100k18 Month IRA
0.65%$100k-18 Month Jumbo IRA

Sun Community Credit Union Locations
Branch Office141 W Main StCalipatria, CA 92233-9726
Branch Office439 E 5th StHoltville, CA 92250-1350
Branch Office1080 S Brawley Ave US Highway 86Brawley, CA 92227-2350
Branch Office1001 E US Highway 98Calexico, CA 92231-9759
Branch Office201 N Imperial AveImperial, CA 92251-1264
Branch Office1068 Broadway StEl Centro, CA 92243-2315
Branch Office1620 N Imperial AveEl Centro, CA 92243