SUNWARD

Charter #5851 | NM

3B-5B (76 CUs) Mid-Market (380 CUs)
2 3B-5B in NM

SUNWARD has 5 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.0% in tier
  • + Organic Growth Engine: Top 18.9% in tier
  • + Strong member growth: 12.5% YoY
  • + Member Growth Rate: Top 6.6% in tier
  • + Loan Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 3.6% in tier
  • - Credit Quality Pressure: Bottom 14.6% in tier
  • - Indirect Auto Dependency: Bottom 27.0% in tier
  • - ROA 0.66% below tier average
  • - Efficiency ratio 8.36% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 172,336
+12.5% YoY+1.6% QoQ
 -66.1K 238,465
+0.6% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Bottom 17.1% in tier
Assets $4.5B
+8.7% YoY+4.3% QoQ
 +$547.2M $4.0B
-0.1% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 21.1% in tier
Loans $2.9B
+22.1% YoY+7.3% QoQ
 $-127.6M $3.0B
+3.3% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $3.3B
+4.4% YoY-0.3% QoQ
 $-55.4M $3.3B
+1.1% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 45th in tier
ROA 0.1%
-66.2% YoY+122.4% QoQ
 -0.7% 0.7%
+5.3% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Bottom 9.2% in tier
NIM 2.5%
+15.6% YoY-0.1% QoQ
 -0.7% 3.2%
+13.7% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 Bottom 14.5% in tier
Efficiency Ratio 79.6%
+0.4% YoY-1.5% QoQ
 +8.4% 71.3%
-0.6% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 Top 15.8% in tier
Delinquency Rate 0.6%
+28.1% YoY+8.3% QoQ
 -0.3 0.8%
+15.9% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 88.2%
+16.9% YoY+7.6% QoQ
 -2.6% 90.8%
+2.0% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 34th in tier
AMR $35,797
-0.5% YoY+1.5% QoQ
 +$7K $29,088
+0.1% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 18.4% in tier
CD Concentration 31.4%
+7.1% YoY+1.2% QoQ
 +2.4% 29.0%
+0.8% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 64th in tier
Indirect Auto % 17.8%
-16.3% YoY+4.3% QoQ
 -1.0% 18.8%
-2.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 53rd in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#9 of 138 • Top 2.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 12.53%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth
#138 of 246 • Top 18.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 12.53%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.08%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 17.83%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#21 of 161 • Bottom 3.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 22.07%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Credit Quality Pressure

risk
#113 of 217 • Bottom 14.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#167 of 202 • Bottom 27.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.67%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 17.83%
(Tier: 18.80%, National: 7.90%)
but better than tier avg
Member Growth (YoY): 12.53%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

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)

Comparing against 76 peers in tier

Top Strengths (6 metrics)

6
Member Growth Rate
growth
Value: 12.53%
Peer Avg: 7.02%
#6 of 76 Top 6.6% in 3B-5B tier
6
Loan Growth Rate
growth
Value: 22.07%
Peer Avg: 9.56%
#6 of 76 Top 6.6% in 3B-5B tier
14
Average Member Relationship (AMR)
engagement
Value: $35,797
Peer Avg: $29,088
#14 of 76 Top 17.1% in 3B-5B tier
15
Loan-to-Member Ratio (LMR)
engagement
Value: $16,778
Peer Avg: $13,761
#15 of 76 Top 18.4% in 3B-5B tier
16
Asset Growth Rate
growth
Value: 8.67%
Peer Avg: 7.42%
#16 of 76 Top 19.7% in 3B-5B tier
16
Total Assets
balance_sheet
Value: $4.52B
Peer Avg: $3.97B
#16 of 76 Top 19.7% in 3B-5B tier

Top Weaknesses (7 metrics)

69
Return on Assets (ROA)
profitability
Value: 0.08%
Peer Avg: 0.75%
#69 of 76 Bottom 10.5% in 3B-5B tier
66
Net Worth Ratio
risk
Value: 8.87%
Peer Avg: 10.75%
#66 of 76 Bottom 14.5% in 3B-5B tier
66
Members Per Employee (MPE)
engagement
Value: 300.761
Peer Avg: 433.941
#66 of 76 Bottom 14.5% in 3B-5B tier
65
Net Interest Margin (NIM)
profitability
Value: 2.50%
Peer Avg: 3.20%
#65 of 76 Bottom 15.8% in 3B-5B tier
65
Efficiency Ratio
profitability
Value: 79.62%
Peer Avg: 71.26%
#65 of 76 Bottom 15.8% in 3B-5B tier
64
Fee Income Per Member
profitability
Value: $116.23
Peer Avg: $191.96
#64 of 76 Bottom 17.1% in 3B-5B tier
63
Total Members
engagement
Value: 172,336
Peer Avg: 238,466
#63 of 76 Bottom 18.4% in 3B-5B tier