State credit union · Pueblo, Colorado · NCUA charter #65082
SUNWEST
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $229.6M
- Total assets
- 12,090
- Members
- 11.5%
- Net-worth ratio
SUNWEST scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $229.6M; members 12,090; net-worth ratio 11.47%; health rank #520 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#520 of 4,374 health · 2025Q4SUNWEST · health 94/100 · $229.6M · 2025Q4
- NW 94/100
- DELQ 11.5%
- ROA 0.90%
- ASSETS 0.86%
- MEM $229.6M
- RANK 12,090
- PHOTO #520/4,374
- BOOK New Cumberland
- CHARTER 65082
Call Report peers
SUNWEST in the assets neighbourhood
SUNWEST's $229.6M assets sit next to New Cumberland ($229.4M) 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
94 Top 13% higher than 87% 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
The 2025Q4 NCUA Call Report puts charter #65082 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
SUNWEST vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 81.15% here, 72.20% peer average (+8.95 pp).
- Net Worth Ratio trails the peer set - 11.47% here, 12.11% peer average (-0.64 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SUNWEST sits in Colorado
- Health composite ranks #4 of 66 among scored Colorado credit unions.
- Assets rank #19 of 66 inside Colorado ($229.6M reported).
- Membership ranks #22 of 66 among Colorado CUs with a reported count (12,090 members).
In-state ordinals use the live credit_unions table for CO 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 +1.5% from $229.6M (2025Q4) to $233.0M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.46% → 11.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 14.6 pts
SUNWEST health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.47% | -0.64 pp |
| Delinquency Rate | 0.90% | +0.00 pp |
| Return on Assets | 0.86% | +0.24 pp |
| Member Growth | 3.63% | - |
| Loan-to-Share Ratio | 81.15% | +8.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
SUNWEST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $233.0M | - |
| 2025Q4 | $229.6M | 12,090 |
| 2024Q4 | $215.5M | 11,666 |
| 2023Q4 | $208.5M | 11,529 |
Credit Union Details
- Charter Number
- 65082
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Pueblo
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for SUNWEST, spread across 2 cities.
| Office | City |
|---|---|
| Sovereign Branch (Main Office) | Pueblo, CO |
| Fremont County Branch | Canon City, CO |
| Eagle Cross | Pueblo, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
A look at other Colorado credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for SUNWEST
Cross-state asset and health neighbours for SUNWEST - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($229.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- SUNWEST ranks #520 of 4,374 nationally on financial health and #4 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STERLING is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STERLING
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 94/100 (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 #520 of 4,374; by total assets it ranks #1,198 of 4,374 nationally (same basis as /rankings/largest); and #19 of 66 within Colorado. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.47% and delinquency rate of 0.90%.
How does SUNWEST compare to other credit unions?
Five weighted metrics from NCUA filings produce SUNWEST's 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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?
Membership eligibility for SUNWEST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SUNWEST directly for current membership requirements 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 11.47% 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.