BlastPoint's Credit Union Scorecard
SKYPOINT
Charter #18917 · MD
SKYPOINT has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.31% above tier average
- + Loan-to-Share Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 11.45% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +5.1% year over year ($190M in shares and deposits).
- Membership: 14,050 members, +3.0% vs a year ago.
- Delinquency rate 1.61%.
- Return on assets 0.56%.
- Efficiency ratio 88.19% vs a 76.73% peer average.
- Loan-to-share ratio 98.02% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,050
+3.0% YoY+0.9% QoQ
|
-1.1K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$242.8M
+5.6% YoY-2.8% QoQ
|
+$10.8M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$186.7M
+10.8% YoY-1.6% QoQ
|
+$40.4M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$190.5M
+5.1% YoY-2.7% QoQ
|
$-10.3M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.6%
+80.1% YoY+62.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
33% |
| NIM |
4.0%
-1.1% YoY+2.7% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
88.2%
+1.9% YoY-0.8% QoQ
|
+11.5% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.6%
-1.2% YoY+4.6% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.6% in tier |
| Loan To Share |
98.0%
+5.5% YoY+1.2% QoQ
|
+26.5% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
Top 3.4% in tier |
| AMR |
$26,842
+4.7% YoY-3.1% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
21.2%
+13.2% YoY+6.7% QoQ
|
-3.3% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
8.7%
+93.1% YoY-8.2% QoQ
|
-4.9% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)