BlastPoint's Credit Union Scorecard

SKYPOINT

Charter #18917 · MD

1077 CUs in 100M-500M nationally 16 in MD

SKYPOINT has 4 strengths but faces 8 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 19.2% in tier
+ Organic Growth Engine: Top 27.5% in tier
+ Net Interest Margin 0.56% above tier average
+ Loan-to-Share Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.6% in tier
- Liquidity Strain: Bottom 11.9% in tier
- Credit Quality Pressure: Bottom 17.3% in tier
- Credit Risk Growth: Bottom 17.9% in tier
- ROA 0.42% below tier average
- Efficiency ratio 8.03% above tier (higher cost structure)
- Delinquency rate 1.06% above tier average
- Total Delinquency Rate (60+ days): Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	13,742 +2.0% YoY+0.8% QoQ	-1.9K	15,628 -3.4% YoY	34,720 +7.7% YoY	33,089 +6.1% YoY	51%
Assets	$231.7M +1.3% YoY+0.8% QoQ	+$445K	$231.3M -0.0% YoY	$624.1M +9.4% YoY	$547.7M +7.8% YoY	59%
Loans	$173.2M +6.0% YoY+2.8% QoQ	+$25.4M	$147.8M -1.4% YoY	$452.1M +10.3% YoY	$388.7M +8.6% YoY	68%
Deposits	$178.4M +0.5% YoY-1.6% QoQ	$-21.8M	$200.3M -0.0% YoY	$528.8M +10.3% YoY	$464.6M +9.3% YoY	52%

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	0.4% +1.3% YoY+19.6% QoQ	-0.4%	0.8% +15.5% YoY	0.6% +23.1% YoY	0.7% +273.4% YoY	23%
NIM	4.1% -0.5% YoY+2.6% QoQ	+0.6%	3.6% +6.9% YoY	3.5% +4.2% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	85.3% +7.8% YoY-1.5% QoQ	+8.0%	77.3% -3.0% YoY	78.6% -6.6% YoY	79.1% -3.3% YoY	78%
Delinquency Rate	1.9% +7.9% YoY+17.5% QoQ	+1.1	0.9% +7.6% YoY	1.2% +5.3% YoY	1.2% -0.9% YoY	Top 8.0% in tier
Loan To Share	97.0% +5.5% YoY+4.4% QoQ	+24.3%	72.7% -1.5% YoY	65.0% -0.2% YoY	68.0% -1.7% YoY	Top 5.7% in tier
AMR	$25,586 +1.1% YoY-0.2% QoQ	+$1K	$24,363 +2.9% YoY	$20,685 +4.6% YoY	$19,418 +1.3% YoY	67%
CD Concentration	19.2% +10.5% YoY+2.1% QoQ	-5.3%	24.4% +4.2% YoY	20.4% +10.6% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	4.0% -12.4% QoQ	-10.0%	14.0% -5.7% YoY	7.4% +4.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#254 of 430 • Top 19.2% in tier

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

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 3.96%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#505 of 603 • Top 27.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 3.96%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Efficiency Drag

risk

#118 of 521 • Bottom 6.6% in tier

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

Why This Signature

Efficiency Ratio: 85.30%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.00% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.04%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Liquidity Strain

risk

#93 of 258 • Bottom 11.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.04%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 6.05%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Quality Pressure

risk

#430 of 736 • Bottom 17.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#269 of 446 • Bottom 17.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.05%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 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 1077 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.04%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

164

Fee Income Per Member

profitability

Value: $241.93

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

206

Net Interest Margin (NIM)

profitability

Value: 4.15%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

214

Loan-to-Member Ratio (LMR)

engagement

Value: $12,601

Peer Avg: -

#214 of 1077 Top 19.8% in 100M-500M tier

Top Weaknesses (5 metrics)

992

Total Delinquency Rate (60+ days)

risk

Value: 1.92%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

875

Net Charge-Off Rate

risk

Value: 0.72%

Peer Avg: -

#875 of 1077 Bottom 18.8% in 100M-500M tier

838

Efficiency Ratio

profitability

Value: 85.30%

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier

834

Deposit Growth Rate

growth

Value: 0.50%

Peer Avg: -

#834 of 1077 Bottom 22.7% in 100M-500M tier

827

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier