BlastPoint's Credit Union Scorecard
SUNWEST
Charter #65082 · CO
SUNWEST has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,151
+4.6% YoY+0.5% QoQ
|
-3.0K |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$233.0M
+4.5% YoY+1.5% QoQ
|
+$1.3M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$166.1M
+12.7% YoY+0.8% QoQ
|
+$21.9M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$205.9M
+3.6% YoY+1.5% QoQ
|
+$4.8M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.7%
-20.2% YoY-20.6% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
53% |
| NIM |
3.8%
+3.8% YoY+2.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
70.3%
+0.7% YoY+2.6% QoQ
|
-7.8% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.5%
-37.4% YoY-41.1% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
80.6%
+8.7% YoY-0.6% QoQ
|
+10.2% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$30,614
+2.8% YoY+0.7% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
29.6%
+4.4% YoY+0.8% QoQ
|
+5.3% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
23.9%
+18.7% YoY-1.0% QoQ
|
+10.1% | 13.8% | 12.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)