BlastPoint's Credit Union Scorecard

SKYLA

Charter #24808 · NC

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 6 in NC

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SKYLA has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 6.6% in tier
+ Organic Growth Engine: Top 6.8% in tier
+ Emerging Performer: Top 60.6% in tier
+ Net Interest Margin 0.18% above tier average
+ Strong member growth: 7.4% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 8.2% in tier
- Liquidity Strain: Bottom 22.5% in tier
- ROA 0.14% below tier average
- Efficiency ratio 3.67% above tier (higher cost structure)
- AMR Growth Rate: Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	111,034 +7.4% YoY+3.3% QoQ	+12.4K	98,678 -1.9% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	67%
Assets	$1.6B +3.0% YoY-0.5% QoQ	$-111.2M	$1.7B +0.5% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	55%
Loans	$1.3B +3.2% YoY-1.2% QoQ	+$51.9M	$1.2B +0.5% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	63%
Deposits	$1.3B +2.0% YoY-1.0% QoQ	$-104.4M	$1.5B +1.3% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	54%

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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	0.6% +272.2% YoY+32.7% QoQ	-0.1%	0.7% +13.4% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	40%
NIM	3.4% +6.5% YoY+2.6% QoQ	+0.2%	3.3% +9.3% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	60%
Efficiency Ratio	77.6% -0.5% YoY-2.6% QoQ	+3.7%	74.0% -10.9% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.8% -13.4% YoY+6.4% QoQ	-0.1	0.8% +6.1% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	55%
Loan To Share	95.2% +1.1% YoY-0.3% QoQ	+10.0%	85.2% -0.8% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	75%
AMR	$23,730 -4.5% YoY-4.2% QoQ	$-5K	$29,172 +2.8% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	25%
CD Concentration	26.0% -20.0% YoY-2.2% QoQ	-3.0%	29.0% +0.7% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	37%
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#27 of 138 • Top 6.6% in tier

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

Why This Signature

Member Growth (YoY): 7.43%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Organic Growth Engine

growth

#50 of 246 • Top 6.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.43%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.56%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Emerging Performer

growth

#44 of 72 • Top 60.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.56%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 7.43%

(Tier: 3.18%, National: 9.37%)

better than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#26 of 83 • Bottom 8.2% in tier

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

Why This Signature

AMR Growth (YoY): -4.50%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Strain

risk

#119 of 183 • Bottom 22.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.19%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.18%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

Member Growth Rate

growth

Value: 7.43%

Peer Avg: -

#35 of 304 Top 11.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $293.73

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.19%

Peer Avg: -

#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (2 metrics)

284

AMR Growth Rate

growth

Value: -4.50%

Peer Avg: -

#284 of 304 Bottom 6.9% in 1B-3B tier

239

Net Worth Ratio

risk

Value: 9.55%

Peer Avg: -

#239 of 304 Bottom 21.7% in 1B-3B tier