Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 May 2023 |
| RSSD ID | 348485 |
| Address | 1068 Broadway Ave, El Centro, CA 92243 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as SUN COMMUNITY (charter 9296). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $895.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 56,001 (as of 30 Jun 2026) |
| Offices | 9 (as of 30 Jun 2026) |
Offices by state and county (9)
California (9 offices)
- Imperial County (6): 1068 Broadway Ave, El Centro 92243 (main office); 1080 S Brawley Ave US Highway 86, Brawley 92227; 2536 Rockwood Ave, Calexico 92231; 141 W Main St, Calipatria 92233; 100 E 5th St, Holtville 92250; 201 N Imperial Ave, Imperial 92251
- Riverside County (3): 52378 Cesar Chavez St, Coachella 92236; 82195 Avenue 42, Indio 92203; 1717 E Vista Chino Ste J10, Palm Springs 92262
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Sun Community Federal Credit Union (NCUA charter 9296, filed as “SUN COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $677.3 million, 27,377 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 15.9% from $584.3 million on 30 Jun 2025 |
| Members | 56,001 (as of 30 Jun 2026); 52,309 (as of 30 Jun 2025) |
| Loans per member | $12,095 (total loans divided by members, 30 Jun 2026) |
| Total assets | $895.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $46.8 million | 6.9% |
| Used vehicle loans | $96 million | 14.2% |
| First-lien home mortgages (1-4 family) | $75.6 million | 11.2% |
| Other real estate loans (junior liens, other) | $62.2 million | 9.2% |
| Commercial (business) loans | $310.1 million | 45.8% |
| Credit cards | $33.7 million | 5.0% |
| Other unsecured loans | $43.8 million | 6.5% |
| Leases and other secured loans | $9 million | 1.3% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Sun Community Federal Credit Union reported 90 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $30.3M (median loan about $150,000). 14 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 14 | 16% |
| Refinance (incl. 25 cash-out) | 39 | 43% |
| Home improvement | 18 | 20% |
| Other purpose | 19 | 21% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 90 | 100% |
Included above: 11 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 98% of its 2025 loans were for properties in California:
Filed under LEI 549300IS603VHWV5ZJ45 as “Sun Community FCU”; matched by name, state and city (checked by hand; see the method on our About page).
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $895.6 million | Larger than 64% of the 25 other certified credit unions in California (median $425.5 million). |
| Loans as a share of assets | 76% | Median of the same 25 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $584.3 million → $677.3 million (+16%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 9 → 9. |
| Home loans originated in 2025 (HMDA) | 90 | More than 42% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in California | 25 | larger than 64% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 9 → 9 of 25 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 42% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 8 SBA-backed approvals for Sun Community Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 8 504 projects as the third-party (first-lien) lender: $19.7M in total (its own third-party loan amount), median $1.6M
By fiscal year: FY2020 0 · FY2021 4 · FY2022 2 · FY2023 2 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (8, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Sun Community FCU”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Sun Community Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in El Centro and California
- Corazo Credit UnionCredit union · El Centro, CAAuto / vehicle loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
Work at Sun Community Federal Credit Union? Link to this page
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