BlastPoint's Credit Union Scorecard
SUNWARD
Charter #5851 · NM
SUNWARD has 5 strengths but faces 6 concerns
How does the industry compare?
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How does NM stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 7.1% in tier
- + Organic Growth Engine: Top 55.3% in tier
- + Strong member growth: 13.5% YoY
- + Loan Growth Rate: Top 3.9% in tier
- + Member Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 42.9% in tier
- - Indirect Auto Dependency: Bottom 76.4% in tier
- - Credit Quality Pressure: Bottom 90.0% in tier
- - Shrinking Wallet Share: Bottom 93.6% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 7.17% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
173,761
+13.5% YoY+0.8% QoQ
|
-56.6K |
230,353
-2.9% YoY
|
30,637
+9.7% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$4.6B
+13.6% YoY+2.0% QoQ
|
+$665.8M |
$3.9B
+0.3% YoY
|
$552.5M
+15.5% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$3.0B
+22.3% YoY+2.7% QoQ
|
+$35.4M |
$2.9B
-0.2% YoY
|
$373.6M
+15.3% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$3.3B
+5.3% YoY+2.1% QoQ
|
+$35.3M |
$3.3B
-0.3% YoY
|
$467.0M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.1%
-18.1% YoY+55.2% QoQ
|
-0.6% |
0.7%
+16.8% YoY
|
0.9%
+81.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.9% in tier |
| NIM |
2.5%
+12.1% YoY-0.6% QoQ
|
-0.6% |
3.1%
+9.8% YoY
|
3.9%
+5.3% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
78.6%
-4.4% YoY-1.3% QoQ
|
+7.2% |
71.4%
-1.4% YoY
|
74.2%
-10.1% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.5%
+6.6% YoY-11.7% QoQ
|
-0.4 |
0.9%
+5.8% YoY
|
1.0%
-7.4% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
88.8%
+16.1% YoY+0.6% QoQ
|
-0.1% |
88.9%
-0.2% YoY
|
71.2%
-0.7% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$36,353
-0.7% YoY+1.6% QoQ
|
+$7K |
$29,682
+1.5% YoY
|
$20,852
+6.0% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
31.7%
+3.1% YoY+0.7% QoQ
|
+2.6% | 29.0% | 24.1% | 19.8% | 63% |
| Indirect Auto % |
16.0%
-19.3% YoY-10.5% QoQ
|
-2.4% | 18.3% | 14.3% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)