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Sunlight Credit Union

Overview
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Sunlight Credit Union is a federal credit union based in Cody, Wyoming. It has been opened since 1953, for 67 years.

With around $111,210,000 in assets, Sunlight Credit Union is considered to be a large credit union. It has 4 branches and 5 ATM locations.

About
Address Po Box 190
Cody, Wyoming 82414
Website http://www.sunlightfcu.org
Phone (307) 587-4915
Fax (307) 587-4074
CEO Steve Pearson
President of the Board Kenneth George
Services Offered
Map
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Score Card
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67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
11,714 members
Membership type: Community credit union
Above average number of members
411:1
Credit union member to staff ratio
411 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$111,212,139
Total assets
Above average
4 branches
Compared with an average of 4 nationally and 2 in Wyoming
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
12.35%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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4 branches
Compared with an average of 4 nationally and 2 in Wyoming
Above average number of branches
Sunlight Credit Union Branch Locations

Sunlight Federal Credit Union (Worland Office)
1429 Big Horn Avenue
Worland, Wyoming 82401
ATM Available
Sunlight Federal Credit Union (Sheridan Office)
1447 Sugarland Drive
Sheridan, Wyoming 82801
ATM Available
Sunlight Federal Credit Union (Powell Office)
374 North Clark Street
Powell, Wyoming 82435
ATM Available
Sunlight Federal Credit Union (Cody Office)
1702 17th Street
Cody, Wyoming 82414
ATM Available
Members
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11,714 members
Membership type: Community credit union
Above average number of members

With 11,714 members, the Sunlight Credit Union is considered to be a large credit union. It is larger than 73% of credit unions.

Fees
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$32
Average fee per member
The average fee per member at the Sunlight Credit Union is $32, which is low compared to most credit unions. This rate is lower than 63% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Sunlight Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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411:1
Credit union member to staff ratio
411 per each FTE employee
Compared to 411:1 nationally
Fewer staff
28 staff members
FTE (full-time equivalent)
3% of employees are part-time
28 full-time, 1 part-time

Sunlight Credit Union has 28 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Sunlight Credit Union has around 411 members per staff, a higher ratio compared to other credit unions.

Assets
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$111,212,139
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
15.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,238
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 72% of credit unions.

Sunlight Credit Union holds a total of $71,250,000 in loans and leases, which is about $13,238 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Sunlight Credit Union pays 0.10%.

Loan rates
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12.35%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.13%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.39%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.49%
New car loan rate
Compared to 4.0% nationally
6.33%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.81%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.47%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.33%
Other real estate loan rates
Compared to 0.9% nationally
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