BlastPoint's Credit Union Scorecard

SUNWEST

Charter #65082 · CO

1069 CUs in 100M-500M nationally 26 in CO

SUNWEST has 5 strengths but faces 2 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 42.4% in tier
+ Emerging Performer: Top 54.7% in tier
+ Relationship Depth Leader: Top 72.3% in tier
+ ROA 0.15% above tier average
+ Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 62.0% in tier
- Delinquency rate 0.01% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	12,090 +3.6% YoY+1.0% QoQ	-3.3K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	43%
Assets	$229.6M +6.5% YoY+1.4% QoQ	$-2.3M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	58%
Loans	$164.7M +9.4% YoY+3.0% QoQ	+$17.3M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	66%
Deposits	$202.9M +5.4% YoY+1.3% QoQ	+$2.1M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	60%

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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% -1.3% YoY+1.3% QoQ	+0.1%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	62%
NIM	3.7% +7.0% YoY+0.5% QoQ	+0.1%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	57%
Efficiency Ratio	68.5% -0.5% YoY-0.4% QoQ	-8.5%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	0.9% -23.7% YoY-11.2% QoQ	+0.0	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	63%
Loan To Share	81.1% +3.7% YoY+1.7% QoQ	+8.9%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	67%
AMR	$30,403 +3.4% YoY+1.0% QoQ	+$6K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	83%
CD Concentration	29.3% +2.8% YoY-1.9% QoQ	+4.9%	24.4%	26.2%	19.8%	50%
Indirect Auto %	24.1% +18.5% YoY+1.1% QoQ	+10.3%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#253 of 595 • Top 42.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.63%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.91%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 24.12%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#100 of 182 • Top 54.7% 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: 0.91%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.63%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Relationship Depth Leader

growth

#194 of 268 • Top 72.3% 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): 3.41%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.3K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk

#314 of 506 • Bottom 62.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.53%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 24.12%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.63%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (5 metrics)

165

Member Growth Rate

growth

Value: 3.63%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

168

Loan-to-Member Ratio (LMR)

engagement

Value: $13,620

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

181

Average Member Relationship (AMR)

engagement

Value: $30,403

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

197

Loan Growth Rate

growth

Value: 9.37%

Peer Median: -

#197 of 1069 Top 18.3% in 100M-500M tier

229

Efficiency Ratio

profitability

Value: 68.51%

Peer Median: -

#229 of 1069 Top 21.3% in 100M-500M tier

Top Weaknesses (1 metrics)

836

Indirect Auto Concentration (%)

balance_sheet

Value: 24.12%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier