PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sunward

Albuquerque, NM · Charter 5851

NCUA · 15 branches

Q2 2026

$4.6BAssets
$3.2BLoans
$3.5BShares
$409.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, up 34 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.40% of loans (-11 bps YoY).
  • Capital: net worth / assets of 8.91%, down 30 bps from a year ago.
  • Funding: loans stand at 93.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+29 bps YoY

Efficiency Ratio (YTD, annualized)

78.42%-239 bps YoY

Net Worth / Assets

8.91%-30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%0.08%0.12%0.27%0.37%+34 bps
Return on Equity0.39%0.89%1.42%3.03%4.17%+378 bps
Net Interest Margin2.48%2.45%2.47%2.75%2.77%+29 bps
Efficiency Ratio80.81%79.62%78.57%79.74%78.42%-239 bps
Growth
Asset Growth (YoY)5.83%8.67%13.64%7.07%6.12%+29 bps
Loan Growth (YoY)18.13%22.07%22.26%18.48%19.66%+153 bps
Share Growth (YoY)4.82%4.38%5.33%0.67%5.11%+29 bps
Asset Quality
Delinquent Loans / Loans0.51%0.56%0.49%0.37%0.40%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.21%8.88%8.71%8.89%8.91%-30 bps
Net Worth / Assets9.21%8.88%8.71%8.89%8.91%-30 bps
Liquidity & Funding
Loans / Shares82.00%88.21%88.78%90.17%93.34%+1,135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps