Federal credit union · Albuquerque, New Mexico · NCUA charter #5851
Sunward
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $4.61B
- Total assets
- 173,761
- Members
- 8.4%
- Net-worth ratio
Sunward - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5851 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Sunward - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)86
- Asset quality (delinquency)100
- Earnings (ROA)64
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.37% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.37% | 30% |
| Delinquency Rate | 0.49% | 25% |
| Return on Assets | 0.14% | 15% |
| Member Growth | 13.51% | 15% |
| Loan-to-Share Ratio | 88.78% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $4.61B | 173,761 |
| 2024Q4 | $4.05B | 153,079 |
| 2023Q4 | $3.77B | 144,482 |
Credit Union Details
- Charter Number
- 5851
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Mexico
- City
- Albuquerque
- Data Quarter
- 2025Q4
What This Data Says About Sunward
173,761 members and $4.61B in total assets sit behind Sunward, a federal credit union in Albuquerque, New Mexico, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $2.97B in outstanding loans as of Q4 2025 and a net worth ratio of 8.37% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5851 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.49% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 88.78% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.14% on net income of $6.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 13.51%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sunward financially healthy?
A 8.37% net worth ratio and a 0.49% delinquency rate feed into Sunward's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Sunward compare to other credit unions?
Sunward scores 90/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sunward?
Sunward operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Sunward directly for the exact boundaries and application steps.
Is my money safe at Sunward?
Federal credit unions like Sunward are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Sunward's net worth ratio of 8.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sunward offer compared to banks?
Credit unions like Sunward are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sunward directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.