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Overview / Commentary
4500 Pennell Rd
Aston, PA 19014-1862

Sun East Credit Union is headquartered in Aston and is the 16st largest credit union in the state of Pennsylvania. It is also the 451st largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 113 employees and 45,388 members. Sun East Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or member of one of the several affiliated businesses, associations, groups or churches in Pennsylvania, Delaware, and New Jersey. - 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 East Credit Union had $5.27 million in non-current loans and owned real-estate with $44.66 million in equity and loan loss allowances on hand to cover it. This gives Sun East Credit Union a Texas Ratio of 11.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sun East Credit Union experienced no significant changes from 10.26% as of March 31, 2013 to 11.80% as of March 31, 2014, resulting in a negative change of 14.98%. This indicates that the balance sheet and financial strength for Sun East Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Sun East Credit Union has increased its total deposits by $14.34 million, resulting in 3.22% 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 East 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 East Credit Union has $503.87 million in assets with $44.66 million in equity, resulting in a capitalization level of 8.86%, which is average.

Institution Statistics

NCUA #6160
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$503.87 million
Loans$383.14 million
Deposits$459.75 million
Equity Capital$41.06 million
Loan Loss Allowance$3.60 million
Unbacked Noncurrent Loans$5.22 million
Real Estate Owned$49,000
Historic Data - March 2013
Assets$486.14 million
Equity Capital$38.35 million
Loan Loss Allowance$3.67 million
Unbacked Noncurrent Loans$5.22 million
Real Estate Owned$588,000
Profit Margin - Quarterly
Net Interest Margin0.96%
Return on Assets0.59%
Return on Equity7.25%
Interest Income$4.34 million
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Sun East Credit Union Savings Account Rates

0.08%$10k-Savings Account

Sun East Credit Union Money Market Rates

0.37%$250k-Performance Money Market
0.30%$100k-Premier Money Market
0.10%$2,500-Classic Money Market

Sun East Credit Union CD Rates

1.30%$500-60 Month CD
1.10%$500-36 Month CD
0.75%$500-30 Month CD
0.65%$500-24 Month CD
0.55%$500-18 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD
0.20%$500-3 Month CD

Sun East Credit Union IRA Rates

1.30%$500-60 Month IRA
1.10%$500-36 Month IRA
0.75%$500-30 Month IRA
0.65%$500-24 Month IRA
0.55%$500-18 Month IRA
0.45%$500-12 Month IRA
0.30%$500-6 Month IRA
0.20%$500-3 Month IRA

Sun East Credit Union Locations
Branch Office831 Baltimore PikeGlen Mills, PA 19342
Branch Office3601 Chichester AveUpper Chichester, PA 19061-3149
Branch Office4500 Pennell RdAston, PA 19014-1862
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