BlastPoint's Credit Union Scorecard
SUNWARD
Charter #5851 · NM
SUNWARD has 2 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 41.3% in tier
- + Loan Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 33.7% in tier
- - Liquidity Strain: Bottom 37.9% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 8.47% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
174,947
+4.4% YoY+0.7% QoQ
|
-45.5K |
220,435
-7.6% YoY
|
30,914
+5.7% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$4.5B
+7.1% YoY-1.3% QoQ
|
+$631.5M |
$3.9B
-1.5% YoY
|
$559.7M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$3.1B
+18.5% YoY+3.6% QoQ
|
+$185.3M |
$2.9B
-1.1% YoY
|
$378.7M
+12.3% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$3.4B
+0.7% YoY+2.0% QoQ
|
+$115.9M |
$3.3B
-2.5% YoY
|
$478.4M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.3%
-183.0% YoY+116.0% QoQ
|
-0.5% |
0.7%
+10.6% YoY
|
0.8%
+125.8% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
2.7%
+11.4% YoY+10.4% QoQ
|
-0.5% |
3.2%
+4.6% YoY
|
3.9%
+3.5% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
79.7%
-11.4% YoY+1.5% QoQ
|
+8.5% |
71.3%
-2.6% YoY
|
76.9%
-4.0% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.4%
-18.8% YoY-24.0% QoQ
|
-0.4 |
0.7%
+9.2% YoY
|
0.9%
+18.5% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
90.2%
+17.7% YoY+1.6% QoQ
|
+2.2% |
88.0%
+0.9% YoY
|
69.3%
+1.3% YoY
|
65.6%
-1.4% YoY
|
47% |
| AMR |
$37,110
+3.8% YoY+2.1% QoQ
|
+$6K |
$30,672
+5.5% YoY
|
$21,135
+4.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration |
32.2%
+5.4% YoY+1.9% QoQ
|
+3.4% | 28.8% | 24.0% | 19.8% | 66% |
| Indirect Auto % |
18.1%
-2.8% YoY+13.6% QoQ
|
+0.1% | 18.1% | 14.3% | 7.7% | 56% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)