BlastPoint's Credit Union Scorecard
SKYLA
Charter #24808 · NC
SKYLA has 7 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.6% in tier
- + Organic Growth Leader: Top 12.1% in tier
- + Emerging Performer: Top 35.5% in tier
- + Net Interest Margin 0.21% above tier average
- + Strong member growth: 9.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 15.4% in tier
- - Credit Quality Pressure: Bottom 35.2% in tier
- - Credit Risk Growth: Bottom 67.5% in tier
- - Liquidity Strain: Bottom 72.1% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 2.61% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - AMR Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
113,118
+9.7% YoY+1.9% QoQ
|
+15.7K |
97,431
-2.4% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$1.6B
+3.3% YoY+1.0% QoQ
|
$-99.1M |
$1.7B
+0.9% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$1.3B
+2.8% YoY+0.7% QoQ
|
+$60.0M |
$1.2B
+0.5% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
64% |
| Deposits |
$1.4B
+2.3% YoY+1.1% QoQ
|
$-94.2M |
$1.5B
+0.9% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
54% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+277.8% YoY+12.4% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
47% |
| NIM |
3.5%
+7.4% YoY+1.2% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
76.7%
-2.5% YoY-1.2% QoQ
|
+2.6% |
74.1%
-9.5% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
1.0%
+27.5% YoY+30.2% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
94.8%
+0.5% YoY-0.4% QoQ
|
+10.0% |
84.8%
-0.8% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$23,511
-6.5% YoY-0.9% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
25.3%
-19.5% YoY-2.4% QoQ
|
-3.7% | 29.0% | 21.7% | 19.8% | 35% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 5.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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 (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)