Nintendo Switch 200gb micro SDXC help

I was using a spare 64GB XC card when I got my switch Lite last year but upgraded to a 200GB card at Christmas.  I noticed it was a lot slower than the 64 GB card but upon downloading Panzer Dragoon last night I found I was waiting up to 4-minutes to load each level.  I ran some tests on both cards and found I was getting 15mb/s read speeds on the 200GB card and 40mb/s on the 64GB.  I was thinking both should be closer to 100mb/s.  Are both cards defective or at least the 200GB one?  The 64GB card will load each stage in under 20-seconds which is perfectly resonable.