# SUNWEST
Pueblo, CO · NCUA charter 65082 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sunwest-65082

Who the members are: state charter, organized 1935, low-income designated. 12,151 members of 226,327 potential (5.4% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 72.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $233.0M |
| Members | 12,151 (4.6% YoY) |
| Full-time staff | 39 |
| Net worth | $26.7M |
| Net worth ratio | 11.5% (p54 of band) |
| ROA (annualized) | 0.72% (p54 of band) |
| Total delinquency | 0.53% (p44 of band) |
| Net charge-offs (annualized) | 0.78% (p82 of band) |
| Loans / shares | 81% (p66 of band) |
| Cash / assets | 11.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p69 of band) |
| Operating expense / assets | 3.31% (p35 of band) |
| Vehicles % of loans | 42% (p68 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 148% (p72 of band) |
| Vehicle delinquency | 0.84% (p68 of band) |
| Vehicle NCO | 1.17% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 40% |
| Certificates % of member funds | 30% |
| Average share balance | $8,381 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.5M |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $19,061 |
| Loans granted, annualized | $54.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.5M outstanding purchased (13.1% of net worth), $331,795 sold and retained. Sold in 2 and bought in 4 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | members leaving |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 3 | delinquency rising | net worth falling |
| 2020-12 | 1 |  | members leaving, delinquency rising |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 1 | 3rd-party paper>100% NW |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-19 [Power Credit Union welcomes two new leaders to its leadership team - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZkZhazM4dTBYTmFpTDJZWHNkVmxqZFRjTUlDZFdOU3NNZl8zbnNIaGlaRG9OS0JpdWwtRV8wNlNDUDJzaUxCNkR4YXBOYXpMMlVZeWpBcEEyXzRtZnlQcHBHQUswNTdTZFlsV05hRVNBcV91eWEwLWN1YkZRY2diY3ZwaXY1MHh2am5IQmVINXBzRVVBWS10dXpZaGd2U3h4QWtIVjcya29BeFU?oc=5) · CUInsight
- 2024-07-31 [equipifi Launches Pre-Purchase BNPL Solution - Finovate](https://news.google.com/rss/articles/CBMidEFVX3lxTE9tTjNwZUFVNUprQ2tHUXNIeE5hd3JqZ2JWZ2h2WS1ULWxYWUUyaUxLbWhJbHNUU2lSMVg5dUJDU0d4bklrRlpEYjRoMzVhT0NTR01MR1YycUNXSjRRWWlIb2R1azJjdF8wdm9ITWFMOVhfbzBj?oc=5) · Finovate
- 2017-05-28 [SunWest Credit Union announces new director of lending and promotion - Pueblo Chieftain](https://news.google.com/rss/articles/CBMinwFBVV95cUxNTXNwbU5rRzZKSXJnQW5iTHpJQ293RVRRNXBYNFZJQWJ3NzNlQWdUcFVkVlQ3Z2NOUkFscE5UNm1MNDk2UmhYVnVaN1lEMW9saGdXTkhvaU1URng5UkJWcG4xQ3cxQy1rVTdvNEVLd19BOEhvaWZCTWZhRzN2U29zeWM1X2NhUmNqTURHU2p5NkFGSjhWampJcHZJUy10V00?oc=5) · Pueblo Chieftain
- 2016-08-20 [Business Briefs - Pueblo Chieftain](https://news.google.com/rss/articles/CBMihgFBVV95cUxOck1pTmE0NnBpaTYyMDFmb29sb0dub1hWRC1oc0h1N09fVDYtZFlYSF9iMGNLVkd6XzRXbEk5MTZmQkJfcGJTRVhxUUp4Zi05S3p4dTJKdzdxR3JadkIyeVpRXzZzT0tZNlc0ZVBFUDhGbGhnZ19yTnlDSUhmLTkwSlJtTUFrUQ?oc=5) · Pueblo Chieftain
- 2014-03-12 [William Vensor Obituary - Pueblo, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWXpQQ1l6Q1k3eE16eFkwUi1mY2JKTUE2VGZ3ZmVXYU4tYnNtakpJaWY1UmxTZXVKTHBYNEEyTUlyOHJNa2NmZ1pEUzJRbG9pVXZVd1NiTndsRHRNQnVZSWl3aVEwRURYM1RCSVZTRDJxX2Z0OE9YeFZwdGJ6YlptUQ?oc=5) · Dignity Memorial
- 2017-12-03 [Program makes holiday happier for CSU-Pueblo students and families - Pueblo Chieftain](https://news.google.com/rss/articles/CBMimAFBVV95cUxOcjJGOXhsZWpGYkRZVEtyOTRpcjhyS25kVUFjVHQ1QTFfUnFqT2hKQWpQcm5vUnRBNzNra1JFQTlpd3pNbzZYbzF4MUpfN3RLc2M5cnVUZUk0ZDNtaFh0YmYtR3E2bVlVTjVDS0J3cFpTT0swakhnMkRpaXNNWUN1T1EzN0d1MWstdTBNM1c2WE4xMWs3SHlPag?oc=5) · Pueblo Chieftain
- 2018-04-14 [SunWest Credit Union, Pueblo D60 provide shoes for kids - Pueblo Chieftain](https://news.google.com/rss/articles/CBMilgFBVV95cUxPM1dTdHlqaXNRT2J2TWxRLTRsQVQ3eGxkbWRLTGdHMVE4cjgwNExTQVpMY0M0cktXeTlTek9oTHIwQkotaXRtN2Y3cTczQWw0NERuMFI4V0hwSnN6ZlhxdVBLeWd5aGo0UGwtal9EcnFwNXdwa3J5dEU0RzVrdGI4aWpVaEI1Z2xiMkE2eVFMQXFEV0d1Y3c?oc=5) · Pueblo Chieftain
- 2018-05-13 [BUSINESS BRIEFS: People and Notes - Pueblo Chieftain](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTWRfY2Z0eVJVS2ktNE4zUWhONFoxc3ppMXhjaXdISzI5T1k2SDRYU2hkTWctVlg2cjBYR2dCdWdrVzMtRUNxdlNrWV9GYUkxR1NsaDZNOGUxSmNpZThTZ2hNQWdWUVdDUC1Hdl9PNDlva1UxMkhzVlY2dGVBRkxQVkE4U0plVkQteHFVR0V1d3BJTmhNSkxn?oc=5) · Pueblo Chieftain

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65082 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "65082", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=65082
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide