Federal credit union · Albuquerque, New Mexico · NCUA charter #5851
SUNWARD
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $4.61B
- Total assets
- 173,761
- Members
- 8.9%
- Net-worth ratio
SUNWARD scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.61B; members 173,761; net-worth ratio 8.89%; health rank #857 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#857 of 4,374 health · 2025Q4SUNWARD · health 92/100 · $4.61B · 2025Q4
Call Report peers
SUNWARD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNWARD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SUNWARD sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SUNWARD: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.78% here, 83.90% peer average (+4.88 pp).
- Net Worth Ratio trails the peer set - 8.89% here, 11.18% peer average (-2.29 pp).
SUNWARD: in-state Call Report ranks
- New Mexico health ordinal: #15 of 37.
- New Mexico assets place: #2 of 37.
- Membership ranks #2 of 37 among New Mexico CUs with a reported count (173,761 members).
- One place up in New Mexico, NUSENDA (#14) ties at 92/100; one place down, OTERO (#16) scores 90/100, 2 points lower.
SUNWARD Call Report trajectory
SUNWARD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $4.61B (2025Q4) to $4.55B (2026Q1).
- Net-worth ratio shifted +0.18 pp (8.71% → 8.89%).
8.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
SUNWARD gives up 8 points in total. Return on Assets costs the most, 5.5 of its 15; Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.89% | -2.29 pp |
| Delinquency Rate | 0.49% | -0.38 pp |
| Return on Assets | 0.14% | -0.37 pp |
| Member Growth | 13.51% | - |
| Loan-to-Share Ratio | 88.78% | +4.88 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
SUNWARD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.55B | - |
| 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
Branch Locations (15)
SUNWARD operates 15 offices across 7 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CUC Credit Union Center (Main Office) | Albuquerque, NM |
| Cottonwood Branch | Albuquerque, NM |
| Tech Park Branch | Albuquerque, NM |
| Paseo North | Albuquerque, NM |
| Kirtland Branch | Albuquerque, NM |
| Rio Grande Crossing | Albuquerque, NM |
| Golf Course | Albuquerque, NM |
| South Valley | Albuquerque, NM |
| Durango | Durango, CO |
| Edgewood Branch | Edgewood, NM |
| Animas Central | Farmington, NM |
| Animas East | Farmington, NM |
| Downtown Livermore | Livermore, CA |
| Los Lunas | Los Lunas, NM |
| Rio Rancho Branch | Rio Rancho, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Using this data
- SUNWARD ranks #857 of 4,374 nationally on financial health and #15 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NUSENDA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NUSENDA
Frequently Asked Questions
Is SUNWARD financially healthy?
On its 2025Q4 NCUA 5300 filing, SUNWARD scores 92/100 (Excellent), with a 8.89% net worth ratio and 0.49% of loans delinquent. It ranks #857 of 4,374 nationally on health and #15 of 37 in New Mexico.
How does SUNWARD compare to other credit unions?
SUNWARD scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (88.78% vs 83.90%). Its widest shortfall is net worth ratio (8.89% vs 11.18%).
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?
SUNWARD is a federal credit union; its shares are federally 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 8.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.