BlastPoint's Credit Union Scorecard

SUNWEST

Charter #65082 · CO

1077 CUs in 100M-500M nationally 26 in CO

SUNWEST has 5 strengths but faces 4 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 25.5% in tier
+ Relationship Depth Leader: Top 68.8% in tier
+ Emerging Performer: Top 91.0% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.4% in tier
- Credit Risk Growth: Bottom 14.9% in tier
- Indirect Auto Dependency: Bottom 16.9% in tier
- Delinquency rate 0.15% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	11,972 +1.4% YoY+2.2% QoQ	-3.7K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	41%
Assets	$226.3M +6.0% YoY+0.6% QoQ	$-5.0M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	58%
Loans	$159.9M +3.9% YoY+6.1% QoQ	+$12.1M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	64%
Deposits	$200.3M +5.2% YoY+0.3% QoQ	+$22K	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -4.6% YoY-10.9% QoQ	+0.1%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	60%
NIM	3.7% +8.3% YoY+1.3% QoQ	+0.1%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	57%
Efficiency Ratio	68.8% -0.9% YoY+1.5% QoQ	-8.5%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	1.0% +43.7% YoY-12.7% QoQ	+0.2	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	71%
Loan To Share	79.8% -1.3% YoY+5.9% QoQ	+7.1%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	62%
AMR	$30,088 +3.1% YoY+0.6% QoQ	+$6K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	83%
CD Concentration	29.9% +4.8% YoY+2.7% QoQ	+5.5%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	23.9% +10.6% YoY+13.4% QoQ	+9.9%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#468 of 603 • Top 25.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.43%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 23.86%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#177 of 257 • Top 68.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.15%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.2K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Emerging Performer

growth

#174 of 191 • Top 91.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.43%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#258 of 736 • Bottom 10.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#224 of 446 • Bottom 14.9% in tier

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

Why This Signature

Loan Growth (YoY): 3.90%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#273 of 525 • Bottom 16.9% in tier

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

Why This Signature

Asset Growth (YoY): 6.01%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 23.86%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.43%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

172

Loan-to-Member Ratio (LMR)

engagement

Value: $13,357

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

179

Average Member Relationship (AMR)

engagement

Value: $30,088

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

253

Efficiency Ratio

profitability

Value: 68.82%

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (1 metrics)

838

Indirect Auto Concentration (%)

balance_sheet

Value: 23.86%

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier