Sunward Federal Credit Union
Total assets
$4.55B
▲ +7.1% YoY
Shares & deposits
$3.41B
▲ +0.7% YoY
Loans
$3.08B
▲ +18.5% YoY
Members
174,947
▲ +4.4% YoY
ROA (annualized)
0.27%
peers 0.71%
ROE (annualized)
3.03%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +1.9 pts |
| Share growth (YoY) | +0.7% | +4.9% | -4.2 pts |
| Loan growth (YoY) | +18.5% | +5.4% | +13.0 pts |
| ROA | 0.27% | 0.71% | -0.4 pts |
| ROE | 3.0% | 6.3% | -3.3 pts |
ROA ranks in the 13th percentile of its peer group · Q1 2026
Profile
- Established
- 1948
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 23040, Albuquerque, NM, 87192
- NCUA charter #
- 5851
- RSSD ID
- 955771
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $4.55B | $3.41B | $3.08B | $404.3M | $3.1M | 0.27% | 2.75% | 0.37% | 174,947 |
| Q4 2025 | $4.61B | $3.35B | $2.97B | $401.2M | $5.7M | 0.12% | 2.47% | 0.49% | 173,761 |
| Q3 2025 | $4.52B | $3.28B | $2.89B | $401.0M | $2.7M | 0.08% | 2.45% | 0.56% | 172,336 |
| Q2 2025 | $4.33B | $3.29B | $2.69B | $399.1M | $774K | 0.04% | 2.48% | 0.51% | 169,578 |
| Q1 2025 | $4.25B | $3.39B | $2.60B | $395.0M | $-3.4M | -0.32% | 2.41% | 0.46% | 167,580 |
| Q4 2024 | $4.05B | $3.18B | $2.43B | $398.3M | $6.2M | 0.15% | 2.25% | 0.46% | 153,079 |
| Q3 2024 | $4.16B | $3.14B | $2.37B | $402.3M | $7.4M | 0.24% | 2.15% | 0.44% | 153,149 |
| Q2 2024 | $4.09B | $3.14B | $2.28B | $400.5M | $5.6M | 0.27% | 2.13% | 0.37% | 150,396 |
Loan mix (Q1 2026): real estate $1.45B · commercial $770.5M · consumer $800.6M · securities $1.09B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.71% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 6.3% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.75% | 3.32% | 16th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 73.0% | 76th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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