BlastPoint's Credit Union Scorecard
SUNWARD
Charter #5851 · NM
SUNWARD has 3 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 16.7% in tier
- + Wallet Share Momentum: Top 16.7% in tier
- + Loan Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 33.3% in tier
- - Indirect Auto Dependency: Bottom 40.9% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 8.97% above tier (higher cost structure)
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 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in New Mexico.
- Shares and deposits +5.1% year over year ($3.45B in shares and deposits).
- Membership: 175,688 members, +3.6% vs a year ago.
- Delinquency rate 0.40%.
- Return on assets 0.37%.
- Efficiency ratio 78.42% vs a 69.45% peer average.
- Loan-to-share ratio 93.34% vs a 90.24% 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 (NM) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
175,688
+3.6% YoY+0.4% QoQ
|
-40.9K |
216,545
-9.5% YoY
|
31,280
+3.2% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$4.6B
+6.1% YoY+1.1% QoQ
|
+$695.2M |
$3.9B
-1.6% YoY
|
$563.2M
+7.3% YoY
|
$593.1M
+10.2% YoY
|
Top 14.3% in tier |
| Loans |
$3.2B
+19.7% YoY+4.8% QoQ
|
+$293.7M |
$2.9B
-1.2% YoY
|
$387.4M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$3.5B
+5.1% YoY+1.2% QoQ
|
+$197.5M |
$3.3B
-2.6% YoY
|
$479.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
0.4%
+38.9% QoQ
|
-0.6% |
0.9%
+25.3% YoY
|
1.0%
+20.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.3% in tier |
| NIM |
2.8%
+11.2% YoY+1.3% QoQ
|
-0.4% |
3.2%
+3.8% YoY
|
3.9%
+4.7% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
78.4%
-3.0% YoY-1.7% QoQ
|
+9.0% |
69.5%
-2.3% YoY
|
77.7%
+3.4% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.4%
-21.9% YoY+7.5% QoQ
|
-0.4 |
0.8%
+5.5% YoY
|
1.0%
+10.0% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
93.3%
+13.8% YoY+3.5% QoQ
|
+3.1% |
90.2%
+0.9% YoY
|
70.5%
+0.9% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$38,020
+7.8% YoY+2.5% QoQ
|
+$7K |
$31,018
+6.9% YoY
|
$21,119
+3.0% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
34.7%
+11.7% YoY+7.5% QoQ
|
+5.6% | 29.1% | 24.3% | 20.0% | 74% |
| Indirect Auto % |
18.5%
+8.0% YoY+1.8% QoQ
|
+0.4% | 18.1% | 14.3% | 7.7% | 58% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)