BlastPoint's Credit Union Scorecard
SUNWEST
Charter #2226 · AZ
SUNWEST has 2 strengths but faces 9 concerns
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How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + First Mortgage Concentration (%): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 21.6% in tier
- - Stagnation Risk: Bottom 64.2% in tier
- - Institutional Decline: Bottom 68.2% in tier
- - Membership Headwinds: Bottom 77.0% in tier
- - Indirect Auto Dependency: Bottom 88.5% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 9.12% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Assets: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,222
-1.4% YoY+5.6% QoQ
|
+4.6K |
38,575
-4.8% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$516.5M
-0.8% YoY+0.1% QoQ
|
$-105.2M |
$621.7M
+0.1% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.3% in tier |
| Loans |
$333.7M
-2.6% YoY-0.3% QoQ
|
$-96.1M |
$429.8M
-1.8% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.9% in tier |
| Deposits |
$451.1M
-1.0% YoY+0.1% QoQ
|
$-87.6M |
$538.7M
+0.6% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.3% in tier |
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| ROA |
0.1%
-226.6% YoY+4021.7% QoQ
|
-0.6% |
0.7%
+42.9% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
3.8%
+19.1% YoY+1.7% QoQ
|
+0.4% |
3.4%
+8.0% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
86.6%
-4.0% YoY-1.3% QoQ
|
+9.1% |
77.5%
-4.1% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.6%
-45.4% YoY-12.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
74.0%
-1.5% YoY-0.4% QoQ
|
-5.9% |
79.8%
-2.3% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$18,159
-0.3% YoY-5.4% QoQ
|
$-9K |
$26,849
+2.7% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.5% in tier |
| CD Concentration |
25.4%
+26.8% YoY+8.3% QoQ
|
+1.0% | 24.4% | 17.2% | 19.8% | 54% |
| Indirect Auto % |
22.8%
-10.9% YoY+5.4% QoQ
|
+9.0% | 13.8% | 22.5% | 7.8% | 75% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)