Credit union · NCUA insured
Sunward Credit Union
A $4.5B credit union, the 104th largest of 4,329, headquartered in Albuquerque, NM, with 174,947 members and 15 branches in 3 states. Best rates: CDs 4.11% and savings 0.40% APY.
Sunward Credit Union Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#18 of 27 in Albuquerque, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sunward Credit Union
Sunward was founded in 1948 by 15 employees of Sandia National Laboratories who saw the need for a credit union in Albuquerque.
The member-owned financial cooperative operates 16 branches across the Southwest, including New Mexico, the Bay Area in California, and Durango, Colorado.
- Headquarters
- 3707 Juan Tabo Blvd NE, Albuquerque, NM 87111
- NCUA charter
- 5851
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Valencia County, New Mexico can apply.
Employers and groups
- Membership is open to members of the American Consumer Council (ACC).
- Members of the Albuquerque International Association can apply.
- Individuals in Edgewood, NM and surrounding areas receiving electric power from CNMEC or water from EWWA can apply.
- Members of the National Museum of Nuclear Science & History can apply.
- Current and retired employees of more than 1,400 Sunward partner companies and their family and household members can apply for membership.
1 more way to join
Family and household
- Family and household members of current members can apply for membership.
Branches
15 branches in 3 states
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New Mexico
13 branches
Albuquerque area · 10
- CUC Credit Union CenterMain office3707 Juan Tabo Blvd NE, Albuquerque, NM 87111Directions
- Cottonwood Branch3740 Ellison Rd NW, Albuquerque, NM 87114Directions
- Golf Course9200 Golf Course Rd NW, Albuquerque, NM 87114Directions
- Kirtland BranchKafb, Albuquerque, NM 87117Directions
- Paseo North8920 Holly Ave NE, Albuquerque, NM 87122Directions
- Rio Grande Crossing1100 Rio Grande Blvd NW, Albuquerque, NM 87104Directions
- South Valley1625 Rio Bravo Blvd SW, Suite 6, Albuquerque, NM 87105Directions
- Tech Park Branch1301 Britt St SE, Albuquerque, NM 87123Directions
- Los Lunas2700 Palmilla Rd NW, Los Lunas, NM 87031Directions
- Rio Rancho Branch1900 Wellspring Ave SE, Rio Rancho, NM 87124Directions
Farmington area · 2
- Animas Central2101 E 20th St, Farmington, NM 87401Directions
- Animas East3850 E Main St, Farmington, NM 87402Directions
Santa Fe area · 1
- Edgewood Branch1 Liberty Square Cir, Edgewood, NM 87015Directions
California
1 branch
- Downtown Livermore39 S Livermore Ave Ste 101, Livermore, CA 94550Directions
Colorado
1 branch
- Durango22 Town Plz, Durango, CO 81301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.91% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.40% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.37% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio8.91%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.40%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.37%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sunward Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.