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Original filing (PDF)20251008155050NAL0006090625001
SUNWARD FEDERAL CREDIT UNION
Form 5500
FILING_RECEIVED
SUNWARD FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
401(k) retirement plan
Signals · 1
No recordkeeper disclosed
Active participants
535
Accounts w/ balance
604
Plan assets (EOY)
$45.2M
Net assets (EOY)
$45.2M
How this plan invests
This plan
23 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (17 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for SUNWARD FEDERAL CREDIT UNION.
Plan sponsor
Name
SUNWARD FEDERAL CREDIT UNION
EIN
85-0113445
Address
PO BOX 23040 · ALBUQUERQUE, NM · 871921040
Phone
(505) 293-0500
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
002
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-08
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2S · Automatic enrollment
2T · Default investment account (QDIA)
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
Audit & trust (Schedule H)
Auditor
BAKER TILLY US, LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MEMBERS CAPITAL ADVISORS, INC. | 42-0388260 | — | NONE | $39K | — |
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | NONE | $35K | — |
Investments
23 direct securities· $45.2M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| BlackRock LifePath Index Retirement Fund Mutual fund | — | — | — | $7.0M | 15.5% | |
| BlackRock LifePath Index 2040 Fund Mutual fund | — | — | — | $5.0M | 11.0% | |
| BlackRock LifePath Index 2050 Fund Mutual fund | — | — | — | $4.8M | 10.5% | |
| Fidelity Large Cap Growth Index Mutual fund | — | — | — | $3.7M | 8.2% | |
| Fidelity 500 Index Fund Mutual fund | — | — | — | $3.7M | 8.1% | |
| BlackRock LifePath Index 2030 Fund Mutual fund | — | — | — | $3.5M | 7.7% | |
| JPMorgan Equity Income Fund Mutual fund | — | — | — | $2.8M | 6.2% | |
| CUNA Mutual Guaranteed Account Deposit Administration Contract ** *** $ | — | — | — | $2.8M | 6.1% | |
| Fidelity Mid Cap Index Mutual fund | — | — | — | $2.4M | 5.4% | |
| BlackRock LifePath Index 2035 Fund Mutual fund | — | — | — | $1.7M | 3.7% | |
| BlackRock LifePath Index 2060 Fund Mutual fund | — | — | — | $1.4M | 3.2% | |
| BlackRock LifePath Index 2055 Fund Mutual fund | — | — | — | $1.4M | 3.2% | |
| BlackRock LifePath Index 2045 Fund Mutual fund | — | — | — | $999K | 2.2% | |
| DFA International Equity Portfolio Mutual fund | — | — | — | $992K | 2.2% | |
| Dodge & Cox Income Fund Mutual fund | — | — | — | $707K | 1.6% | |
| DFA US Small Cap I Fund Mutual fund | — | — | — | $573K | 1.3% | |
| Fidelity Global ex US Index Mutual fund | — | — | — | $535K | 1.2% | |
| BlackRock LifePath Index 2065 Fund Mutual fund | — | — | — | $478K | 1.1% | |
| Fidelity US Bond Index Mutual fund | — | — | — | $255K | 0.6% | |
| Fidelity Small Cap Index Mutual fund | — | — | — | $187K | 0.4% | |
| Vanguard Real Estate Index Fund Mutual fund | — | — | — | $186K | 0.4% | |
| PIMCO Real Return Fund Mutual fund | — | — | — | $80K | 0.2% | |
| maturing through June 2041 0 | — | — | — | $56K | 0.1% |