BlastPoint's Credit Union Scorecard

SKY

Charter #761 · MT

1069 CUs in 100M-500M nationally 13 in MT

SKY has 2 strengths but faces 9 concerns

National Analysis

How does the industry compare?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.37% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.1% in tier
- Credit Quality Pressure: Bottom 22.4% in tier
- Deposit Outflow: Bottom 47.1% in tier
- Shrinking Wallet Share: Bottom 65.2% in tier
- ROA 0.75% below tier average
- Efficiency ratio 14.32% above tier (higher cost structure)
- Net Worth Ratio: Bottom 1.7% in tier
- Members Per Employee (MPE): Bottom 3.1% in tier
- Deposit Growth Rate: Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	12,666 +0.1% YoY-0.4% QoQ	-2.8K	15,437 -2.9% YoY	10,794 +3.9% YoY	33,374 +5.7% YoY	46%
Assets	$199.7M +2.2% YoY-1.5% QoQ	$-32.2M	$231.9M +1.3% YoY	$197.5M +8.6% YoY	$561.6M +9.7% YoY	50%
Loans	$120.0M -0.2% YoY+0.6% QoQ	$-27.4M	$147.3M -0.1% YoY	$129.1M +6.1% YoY	$397.0M +8.8% YoY	48%
Deposits	$172.1M -2.7% YoY-3.3% QoQ	$-28.7M	$200.8M +0.8% YoY	$168.5M +7.6% YoY	$477.3M +9.7% YoY	50%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -97.7% YoY-94.0% QoQ	-0.8%	0.8% +18.2% YoY	0.7% -27.4% YoY	0.7% +15.9% YoY	Bottom 6.5% in tier
NIM	4.0% +12.9% YoY+0.9% QoQ	+0.4%	3.6% +6.7% YoY	3.7% +4.3% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	91.3% +1.7% YoY+0.2% QoQ	+14.3%	77.0% -3.1% YoY	76.7% +2.1% YoY	79.7% -3.3% YoY	Top 7.8% in tier
Delinquency Rate	0.8% +100.4% YoY-66.8% QoQ	-0.0	0.9% +4.2% YoY	0.9% -14.9% YoY	1.3% -2.1% YoY	59%
Loan To Share	69.7% +2.6% YoY+4.1% QoQ	-2.5%	72.2% -1.1% YoY	67.3% -2.3% YoY	67.4% -1.7% YoY	42%
AMR	$23,062 -1.8% YoY-1.4% QoQ	$-2K	$24,676 +3.4% YoY	$21,802 +3.7% YoY	$19,687 +2.0% YoY	52%
CD Concentration	23.2% +4.8% YoY-3.8% QoQ	-1.2%	24.4%	17.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#55 of 538 • Bottom 10.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.34%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#159 of 705 • Bottom 22.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.42% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Deposit Outflow

decline

#33 of 69 • Bottom 47.1% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.73%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.13%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Shrinking Wallet Share

decline

#136 of 208 • Bottom 65.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.83%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1052

Net Worth Ratio

risk

Value: 7.48%

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1037

Members Per Employee (MPE)

engagement

Value: 191.909

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

999

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

995

Deposit Growth Rate

growth

Value: -2.73%

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

987

Efficiency Ratio

profitability

Value: 91.34%

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier

955

AMR Growth Rate

growth

Value: -1.83%

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

925

Net Charge-Off Rate

risk

Value: 0.87%

Peer Median: -

#925 of 1069 Bottom 13.6% in 100M-500M tier