BlastPoint's Credit Union Scorecard

SKYPOINT

Charter #18917 · MD

1069 CUs in 100M-500M nationally 16 in MD

SKYPOINT has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.6% in tier
+ Organic Growth Engine: Top 82.7% in tier
+ Wallet Share Momentum: Top 92.6% in tier
+ Net Interest Margin 0.44% above tier average
+ Loan-to-Share Ratio: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.3% in tier
- Efficiency Drag: Bottom 30.3% in tier
- ROA 0.42% below tier average
- Efficiency ratio 6.93% above tier (higher cost structure)
- Delinquency rate 0.78% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	13,829 +2.5% YoY+0.6% QoQ	-1.6K	15,437 -2.9% YoY	34,239 +5.1% YoY	33,374 +5.7% YoY	52%
Assets	$249.2M +4.2% YoY+7.5% QoQ	+$17.4M	$231.9M +1.3% YoY	$633.8M +10.2% YoY	$561.6M +9.7% YoY	63%
Loans	$189.5M +9.4% YoY+9.5% QoQ	+$42.2M	$147.3M -0.1% YoY	$458.0M +9.3% YoY	$397.0M +8.8% YoY	72%
Deposits	$190.3M +6.7% YoY+6.6% QoQ	$-10.5M	$200.8M +0.8% YoY	$535.8M +9.7% YoY	$477.3M +9.7% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -7.3% YoY-8.4% QoQ	-0.4%	0.8% +18.2% YoY	0.6% +24.3% YoY	0.7% +15.9% YoY	20%
NIM	4.0% +0.5% YoY-2.5% QoQ	+0.4%	3.6% +6.7% YoY	3.5% +4.9% YoY	3.8% +5.1% YoY	74%
Efficiency Ratio	83.9% +5.9% YoY-1.6% QoQ	+6.9%	77.0% -3.1% YoY	79.3% -5.8% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	1.7% -2.2% YoY-12.9% QoQ	+0.8	0.9% +4.2% YoY	1.3% -2.3% YoY	1.3% -2.1% YoY	Top 10.9% in tier
Loan To Share	99.6% +2.6% YoY+2.6% QoQ	+27.4%	72.2% -1.1% YoY	65.5% +0.8% YoY	67.4% -1.7% YoY	Top 2.9% in tier
AMR	$27,468 +5.4% YoY+7.4% QoQ	+$3K	$24,676 +3.4% YoY	$21,154 +5.1% YoY	$19,687 +2.0% YoY	74%
CD Concentration	19.8% +9.4% YoY+3.5% QoQ	-4.6%	24.4%	20.4%	19.8%	50%
Indirect Auto %	10.4% +95.1% YoY+161.7% QoQ	-3.4%	13.8%	7.3%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#216 of 426 • Top 50.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.50%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 10.36%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#492 of 595 • Top 82.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.50%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.34%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 10.36%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#475 of 513 • Top 92.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.38%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk

#29 of 228 • Bottom 12.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.60%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 9.40%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Efficiency Drag

risk

#164 of 538 • Bottom 30.3% in tier

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

Why This Signature

Efficiency Ratio: 83.95%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.03% points

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

worse than tier avg

Member Growth (YoY): 2.50%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -98 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 (5 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.60%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

158

Fee Income Per Member

profitability

Value: $246.14

Peer Median: -

#158 of 1069 Top 14.7% in 100M-500M tier

165

Loan-to-Member Ratio (LMR)

engagement

Value: $13,706

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

195

Loan Growth Rate

growth

Value: 9.40%

Peer Median: -

#195 of 1069 Top 18.1% in 100M-500M tier

243

Member Growth Rate

growth

Value: 2.50%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (2 metrics)

953

Total Delinquency Rate (60+ days)

risk

Value: 1.67%

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

850

Return on Assets (ROA)

profitability

Value: 0.34%

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier