BlastPoint's Credit Union Scorecard
SUNWEST
Charter #65082 · CO
SUNWEST has 3 strengths but faces 6 concerns
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 0.15% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.07% below tier average
- - Delinquency rate 0.30% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +2.5% year over year ($205M in shares and deposits).
- Membership: 12,191 members, +4.1% vs a year ago.
- Delinquency rate 1.19%.
- Return on assets 0.79%.
- Efficiency ratio 69.04% vs a 76.73% peer average.
- Loan-to-share ratio 82.25% vs a 71.54% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,191
+4.1% YoY+0.3% QoQ
|
-3.0K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$233.3M
+3.7% YoY+0.1% QoQ
|
+$1.3M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$168.4M
+11.8% YoY+1.4% QoQ
|
+$22.2M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$204.8M
+2.5% YoY-0.6% QoQ
|
+$4.1M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.8%
-21.4% YoY+9.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.8%
+5.0% YoY+0.9% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
69.0%
+1.9% YoY-1.7% QoQ
|
-7.7% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
1.2%
+2.2% YoY+123.8% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
82.2%
+9.1% YoY+2.0% QoQ
|
+10.7% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$30,613
+2.3% YoY-0.0% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
30.3%
+4.0% YoY+2.4% QoQ
|
+5.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
24.4%
+16.2% YoY+2.3% QoQ
|
+10.8% | 13.6% | 12.3% | 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 (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.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)