Side-by-side · Q2 2026 data
Sunward Federal Credit Union vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Sunward Federal Credit Union | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 75 (stronger) |
| Capital cushion | 39 | 64 (stronger) |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 35 | 68 (stronger) |
| Funding & liquidity | 67 (stronger) | 60 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 25th | 75th |
| Total assets | $4.6B | $1.4B |
| Deposits / shares | $3.5B | $1.3B |
| Capital ratio | 8.91% | 11.44% (stronger) |
| Problem loans | 0.40% | 0.15% (stronger) |
| Net charge-offs | 0.36% | 0.25% (stronger) |
| Return on assets | 0.37% | 1.21% (stronger) |
| Loans ÷ deposits | 93.3% (stronger) | 99.8% |
| Uninsured deposits | 12.4% (stronger) | 13.6% |
| Offices | 13 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Sunward Federal Credit Union leads on 2 and Sandia Area Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.