Sunward
Albuquerque, NM · Charter 5851 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 15 branches
Q2 2026
$4.6BAssets
$3.2BLoans
$3.5BShares
$409.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of credit unions $1B-$10B in assets (rank 92 of 435).
- Widest gap: equity / assets trails 90% of credit unions $1B-$10B in assets (rank 392 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.37%
Rank 374 of 435
Net Interest Margin
2.77%
Rank 372 of 435
Efficiency Ratio
78.42%
Rank 339 of 435
Equity / Assets
8.91%
Rank 392 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.55% | 0.81% | 1.14% | Beats 14% | 374 / 435 | |
| Return on Equity | 4.17% | 5.12% | 7.41% | 9.70% | Beats 18% | 357 / 435 | |
| Net Interest Margin | 2.77% | 3.01% | 3.39% | 3.75% | Beats 14% | 372 / 435 | |
| Efficiency Ratio | 78.42% | 65.25% | 71.39% | 77.86% | Beats 22% | 339 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 79% | 92 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.91% | 9.81% | 10.84% | 12.63% | Beats 10% | 392 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.91% | 9.81% | 10.84% | 12.63% | Beats 10% | 392 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 93.34% | 78.33% | 88.38% | 95.61% | 67th pctl | 144 / 435 | |
| Loans / Assets | 70.15% | 67.69% | 74.58% | 80.80% | 34th pctl | 288 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |