BlastPoint's Credit Union Scorecard
SUNWEST
Charter #2226 · AZ
SUNWEST has 3 strengths but faces 12 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
- + Wallet Share Momentum: Top 37.7% in tier
- + Net Interest Margin 0.32% above tier average
- + First Mortgage Concentration (%): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.6% in tier
- - Institutional Decline: Bottom 6.0% in tier
- - Efficiency Drag: Bottom 14.1% in tier
- - Stagnation Risk: Bottom 23.0% in tier
- - Indirect Auto Dependency: Bottom 29.0% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 9.65% above tier (higher cost structure)
- - Member decline: -9.0% YoY
- - Member Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
- - Total Assets: Bottom 8.9% in tier
- - Total Deposits: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
40,916
-9.0% YoY-5.6% QoQ
|
+1.2K |
39,752
-2.7% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$516.0M
-6.0% YoY-1.7% QoQ
|
$-106.4M |
$622.4M
+0.3% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.3% in tier |
| Loans |
$334.7M
-1.9% YoY-1.0% QoQ
|
$-101.3M |
$435.9M
-0.4% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.0% in tier |
| Deposits |
$450.8M
-0.7% YoY-1.9% QoQ
|
$-87.2M |
$538.0M
+1.3% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.3% in tier |
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| ROA |
0.0%
-103.2% YoY-80.8% QoQ
|
-0.7% |
0.7%
+33.9% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.9% in tier |
| NIM |
3.7%
+23.6% YoY+2.3% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
87.7%
-3.3% YoY-0.8% QoQ
|
+9.7% |
78.1%
-3.4% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.6%
-27.9% YoY-27.8% QoQ
|
-0.2 |
0.8%
-4.9% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
74.2%
-1.2% YoY+0.9% QoQ
|
-6.8% |
81.0%
-1.8% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$19,198
+8.6% YoY+4.3% QoQ
|
$-7K |
$26,482
+2.6% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
23.5%
+20.0% YoY+2.6% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
21.7%
-15.7% YoY-5.8% QoQ
|
+7.7% |
14.0%
-5.7% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)