TellerScore

Sunwest Federal Credit Union is a federal credit union headquartered in Glendale, Arizona, in business for about 89 years. At the end of Q2 2026 it reported $525.2M in total assets and $458.2M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Sunwest Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 33 credit unions headquartered in Arizona, it ranks 21st. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (28/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.97%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity86/100
Loans ÷ shares: 74.4% · 5.0% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.25%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (61 → 67), mostly because the loan quality component improved by 13 points.

TellerScore
576369Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202460
Q4 202460
Q1 202560
Q2 202561
Q3 202564
Q4 202566
Q1 202669
Q2 202667
Net worth ratio
7.00%9.06%11.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.35%
Q3 202410.58%
Q4 202411.10%
Q1 202510.80%
Q2 202510.92%
Q3 202511.10%
Q4 202511.12%
Q1 202610.82%
Q2 202610.97%
Delinquent loans (60+ days)
0.27%0.65%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.02%
Q3 20240.88%
Q4 20241.02%
Q1 20250.91%
Q2 20250.88%
Q3 20250.64%
Q4 20250.55%
Q1 20260.27%
Q2 20260.48%
Return on assets
-0.13%0.03%0.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.10%
Q3 2024-0.05%
Q4 2024-0.06%
Q1 2025-0.13%
Q2 20250.01%
Q3 20250.00%
Q4 20250.07%
Q1 20260.19%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$525.2M10.97%0.48%0.19%74.4%
Q1 202669$530.4M10.82%0.27%0.19%71.1%
Q4 202566$516.5M11.12%0.55%0.07%74.0%
Q3 202564$516.0M11.10%0.64%0.00%74.2%
Q2 202561$524.7M10.92%0.88%0.01%73.6%
Q1 202560$528.9M10.80%0.91%-0.13%73.2%
Q4 202460$520.5M11.10%1.02%-0.06%75.1%
Q3 202460$549.0M10.58%0.88%-0.05%75.2%
Q2 202457$558.3M10.35%1.02%-0.10%73.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.97%
43rd
Problem loans0.48%
67th
Net charge-offs0.57%
29th
Return on assets0.19%
11th
Loans to deposits74.4%
53rd
Uninsured deposits5.0%
60th
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
American Southwest Credit UnionCredit union Sierra Vista, AZ77 out of 100, Strong$440.0M11.3%0.88%vs
Avenir Financial Federal Credit UnionCredit union Yuma, AZ72 out of 100, Strong$400.9M12.8%0.39%vs
Aero Federal Credit UnionCredit union Glendale, AZ79 out of 100, Strong$364.4M12.0%0.11%vs
Copper State Credit UnionCredit union Phoenix, AZ63 out of 100, Moderate$700.8M9.7%0.53%vs
Pinal County Federal Credit UnionCredit union Casa Grande, AZ68 out of 100, Moderate$338.8M9.9%0.53%vs
Arizona Central Credit UnionCredit union Phoenix, AZ54 out of 100, Below average$733.4M8.8%0.97%vs

Deposit insurance

Is my money safe at Sunwest Federal Credit Union?

Yes. Sunwest Federal Credit Union is a federally insured credit union (NCUA charter #2226). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.0% of shares and deposits ($22.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Sunwest Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sunwest Federal Credit Union reported 211 home-loan applications under HMDA (LEI 254900F4CV5EF7UPS652): 155 originated ($14,395,000 total), 46 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Rewards MC—$0$251.1%
Secured MasterCard—$0$51.1%
SunWest MasterCard—$0$51.1%

All Sunwest Federal Credit Union card terms

Identity & history

Profile

Legal name
Sunwest Federal Credit Union
Type
Federal credit union
NCUA charter #
2226
RSSD ID
106171
Primary regulator
NCUA
Established
1937
Headquarters
5323 N 99th Ave Ste 220, Glendale, AZ 85305
Employees
122

Quick answers

Sunwest Federal Credit Union: common questions

Is Sunwest Federal Credit Union NCUA insured?

Yes. Sunwest Federal Credit Union is a federally insured credit union (NCUA charter #2226). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Sunwest Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Sunwest Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Glendale

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Em Federal Credit UnionCredit union Mesa, AZ86 out of 100, Very strong$11.7M15.7%0.24%vs
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Banner Federal Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$65.2M13.5%0.70%vs
Desert Financial Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$9.9B12.1%0.47%vs