BlastPoint's Credit Union Scorecard
SUNWEST
Charter #2226 · AZ
SUNWEST has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + First Mortgage Concentration (%): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 19.0% in tier
- - Indirect Auto Dependency: Bottom 81.0% in tier
- - Shrinking Wallet Share: Bottom 88.5% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 9.78% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,450
+0.4% YoY+0.5% QoQ
|
+5.4K |
38,079
-4.8% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
71% |
| Assets |
$530.4M
+0.3% YoY+2.7% QoQ
|
$-89.3M |
$619.7M
-0.2% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$329.5M
-3.1% YoY-1.3% QoQ
|
$-89.9M |
$419.3M
-1.4% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$463.5M
-0.2% YoY+2.7% QoQ
|
$-76.0M |
$539.5M
-0.1% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
17% |
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| ROA |
0.2%
-252.8% YoY+172.0% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.9%
+8.2% YoY+2.4% QoQ
|
+0.4% |
3.5%
+4.5% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
88.2%
-4.5% YoY+1.8% QoQ
|
+9.8% |
78.4%
-3.7% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
0.3%
-70.0% YoY-50.6% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
71.1%
-2.9% YoY-3.9% QoQ
|
-6.6% |
77.7%
-1.2% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$18,251
-1.9% YoY+0.5% QoQ
|
$-9K |
$26,927
+3.1% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.6% in tier |
| CD Concentration |
23.6%
+12.6% YoY-7.4% QoQ
|
-0.7% | 24.3% | 17.3% | 19.8% | 48% |
| Indirect Auto % |
23.7%
-4.1% YoY+3.7% QoQ
|
+9.9% | 13.8% | 21.9% | 7.7% | 76% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)