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 0.41% above tier average
- + First Mortgage Concentration (%): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.5% in tier
- - Indirect Auto Dependency: Bottom 83.3% in tier
- - Shrinking Wallet Share: Bottom 85.7% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 12.34% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 6.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Arizona.
- Shares and deposits -0.3% year over year ($458M in shares and deposits).
- Membership: 43,875 members, +1.2% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 0.19%.
- Efficiency ratio 88.90% vs a 76.56% peer average.
- Loan-to-share ratio 74.42% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,875
+1.2% YoY+1.0% QoQ
|
+6.0K |
37,897
-5.0% YoY
|
62,580
+4.2% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$525.2M
+0.1% YoY-1.0% QoQ
|
$-97.1M |
$622.4M
+0.6% YoY
|
$1.1B
+8.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.1% in tier |
| Loans |
$341.0M
+0.8% YoY+3.5% QoQ
|
$-87.5M |
$428.5M
-0.7% YoY
|
$693.0M
+9.0% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$458.2M
-0.3% YoY-1.2% QoQ
|
$-81.6M |
$539.8M
+0.9% YoY
|
$946.4M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.2%
-2.0% QoQ
|
-0.6% |
0.8%
+39.5% YoY
|
0.9%
+15.7% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.9% in tier |
| NIM |
3.9%
+7.6% YoY+1.0% QoQ
|
+0.4% |
3.5%
+5.0% YoY
|
4.0%
+1.6% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
88.9%
+0.5% YoY+0.8% QoQ
|
+12.3% |
76.6%
-3.6% YoY
|
75.7%
-0.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
0.5%
-45.8% YoY+74.8% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
0.9%
+18.9% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
74.4%
+1.1% YoY+4.7% QoQ
|
-4.9% |
79.3%
-1.4% YoY
|
69.6%
-1.2% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$18,213
-1.1% YoY-0.2% QoQ
|
$-9K |
$27,294
+4.1% YoY
|
$19,787
+3.1% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.1% in tier |
| CD Concentration |
24.9%
+8.6% YoY+5.5% QoQ
|
+0.3% | 24.6% | 17.9% | 20.0% | 51% |
| Indirect Auto % |
24.1%
+4.9% YoY+2.0% QoQ
|
+10.5% | 13.6% | 21.3% | 7.7% | 77% |
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)