Federal credit union · Glendale, Arizona · NCUA charter #2226
SUNWEST
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $516.5M
- Total assets
- 43,222
- Members
- 10.8%
- Net-worth ratio
SUNWEST scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $516.5M; members 43,222; net-worth ratio 10.82%; health rank #2,759 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,759 of 4,374 health · 2025Q4SUNWEST · health 80/100 · $516.5M · 2025Q4
- ASSETS 80/100
- MEM 10.8%
- RANK 0.55%
- PHOTO -0.06%
- BOOK $516.5M
- CHARTER 43,222
- NCUSIF #2,759/4,374
- CAMELS COASTLIFE
- HEALTH 2226
Call Report peers
SUNWEST in the assets neighbourhood
SUNWEST's $516.5M assets sit next to COASTLIFE ($516.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNWEST vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SUNWEST - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2226, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for SUNWEST
- Largest favorable gap: Delinquency Rate at 0.55% vs peer 0.87% (-0.32 pp).
- Loan-to-Share Ratio trails the peer set - 73.98% here, 83.90% peer average (-9.92 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SUNWEST: in-state Call Report ranks
- In Arizona, health place is #23 of 33 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 33 inside Arizona ($516.5M reported).
- Arizona membership ordinal: #12 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SUNWEST: 2025Q4 → 2026Q1
SUNWEST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $516.5M (2025Q4) to $530.4M (2026Q1).
- Net-worth ratio shifted -0.30 pp (11.12% → 10.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 4.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.82% | -0.36 pp |
| Delinquency Rate | 0.55% | -0.32 pp |
| Return on Assets | -0.06% | -0.57 pp |
| Member Growth | -1.40% | - |
| Loan-to-Share Ratio | 73.98% | -9.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SUNWEST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $530.4M | - |
| 2025Q4 | $516.5M | 43,222 |
| 2024Q4 | $520.5M | 43,834 |
| 2023Q4 | $556.6M | 53,840 |
Credit Union Details
- Charter Number
- 2226
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Arizona
- City
- Glendale
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for SUNWEST, spread across 7 cities.
| Office | City |
|---|---|
| Glendale Corporate (Main Office) | Glendale, AZ |
| Goodyear | Goodyear, AZ |
| Mesa | Mesa, AZ |
| Arrowhead | Peoria, AZ |
| Thunderbird | Phoenix, AZ |
| Surprise | Surprise, AZ |
| Tucson Pantano Speedway | Tucson, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
Other federally-insured credit unions in Arizona, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for SUNWEST, both outside Arizona so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($516.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- SUNWEST ranks #2,759 of 4,374 nationally on financial health and #23 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Copper State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Copper State
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SUNWEST financially healthy?
SUNWEST has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,759 of 4,374; by total assets it ranks #737 of 4,374 nationally (same basis as /rankings/largest); and #13 of 33 within Arizona. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.82% and delinquency rate of 0.55%.
How does SUNWEST compare to other credit unions?
PlainCU's health composite puts SUNWEST at 80/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 SUNWEST?
SUNWEST 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 SUNWEST directly for the exact boundaries and application steps.
Is my money safe at SUNWEST?
Federal credit unions like SUNWEST 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. SUNWEST's net worth ratio of 10.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUNWEST offer compared to banks?
Credit unions like SUNWEST 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 SUNWEST directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.