Sunward Federal Credit Union Albuquerque, New Mexico
Sunward Federal Credit Union is a federal credit union headquartered in Albuquerque, NM, established in 1948 (NCUA charter 5851), and it is regulated and insured by the NCUA. At Q2 2026 it reported 175,688 members and total assets of $4.60B (up 6.1% from Q2 2025), the 2nd largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 8.91% at Q2 2026, in the well capitalized band.
Also written as Sunward FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5851
- Headquarters
- Albuquerque, NM
- Established
- 1948
- Total assets, Q2 2026
- $4.60B
- Assets vs Q2 2025
- +6.1%
- Members, Q2 2026
- 175,688
- Net worth ratio, Q2 2026
- 8.91%
- Latest call report
- Q2 2026, NCUA 5300 · Sunward Federal Credit Union call report
- Asset rank in state
- 2nd of 37 in New Mexico
- Routing number
- 307083911
- Branches
- 15
It has 6,110 more members than on June 30, 2025 (+3.6%). Its net worth ratio was down 0.30 percentage points from 9.21% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.52B of $3.22B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.40% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 8.91% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in New Mexico
Credit unions merged into Sunward Federal Credit Union
Animas Credit Union (2021)
Frequently asked about Sunward Federal Credit Union
How big is Sunward Federal Credit Union?
At Q2 2026 it reported total assets of $4.60B and 175,688 members.
Where is Sunward Federal Credit Union headquartered?
It is headquartered in Albuquerque, NM, United States.
When was Sunward Federal Credit Union founded?
It was established in 1948, per NCUA records.
Is Sunward Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5851): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Sunward Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Sunward Federal Credit Union well capitalized?
Its net worth ratio was 8.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Sunward Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.40% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Sunward Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albuquerque, NM 87111
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 5851
- RSSD ID
- 955771
- Members
- 175,688
- Potential members
- 2,125,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 8.91% | 10.89% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.48% | 0.89% | 19th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.35% | 8.07% | 25th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.82% | 3.45% | 18th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.11% | 70.59% | 25th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.79% | 1.68% | 42nd below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.40% | 0.68% | 80th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.61% | 5.12% | 20th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.34% | 88.03% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.60B total assets against $4.33B; $3.45B total shares and deposits against $3.29B; $3.22B total loans against $2.69B.
$409.8M net worth against $399.1M.
8.91% net worth ratio against 9.21%.
93.34% loan-to-share ratio against 82.00%.
0.40% delinquency ratio against 0.51%.
0.48% return on assets against 0.38%; 5.35% return on equity against 4.15%.
2.82% net interest margin against 2.60%.
175,688 members against 169,578.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.91% | 0.48% | 0.40% | 93.34% |
| March 31, 2026 | 8.89% | 0.27% | 0.37% | 90.17% |
| December 31, 2025 | 8.71% | 0.26% | 0.49% | 88.78% |
| September 30, 2025 | 8.87% | 0.17% | 0.56% | 88.21% |
| June 30, 2025 | 9.21% | 0.38% | 0.51% | 82.00% |
| March 31, 2025 | 9.29% | -0.32% | 0.46% | 76.62% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.