BlastPoint's Credit Union Scorecard

SKYLA

Charter #24808 · NC

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

SKYLA has 6 strengths but faces 8 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 8.4% in tier
+ Organic Growth Engine: Top 8.4% in tier
+ Net Interest Margin 0.16% above tier average
+ Strong member growth: 9.3% YoY
+ Member Growth Rate: Top 8.2% in tier
+ Fee Income Per Member: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.5% in tier
- Efficiency Drag: Bottom 24.5% in tier
- Liquidity Strain: Bottom 30.3% in tier
- Credit Risk Growth: Bottom 78.9% in tier
- Shrinking Wallet Share: Bottom 96.3% in tier
- ROA 0.22% below tier average
- Efficiency ratio 5.84% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	112,990 +9.3% YoY-0.1% QoQ	+16.9K	96,048 -2.7% YoY	91,843 +3.2% YoY	33,913 +5.7% YoY	71%
Assets	$1.7B +2.6% YoY+2.0% QoQ	$-63.8M	$1.7B +0.4% YoY	$1.6B +7.7% YoY	$578.3M +9.0% YoY	57%
Loans	$1.3B +0.6% YoY-0.3% QoQ	+$76.4M	$1.2B +0.2% YoY	$1.1B +5.7% YoY	$402.4M +8.7% YoY	65%
Deposits	$1.4B +2.6% YoY+2.5% QoQ	$-66.3M	$1.5B +0.5% YoY	$1.4B +7.2% YoY	$494.3M +9.1% YoY	56%

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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	0.5% +43.1% YoY-21.7% QoQ	-0.2%	0.7% +27.6% YoY	0.4% +21.7% YoY	0.4% -39.2% YoY	31%
NIM	3.5% +7.1% YoY+0.8% QoQ	+0.2%	3.4% +6.2% YoY	4.0% +0.2% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	80.5% +0.1% YoY+5.0% QoQ	+5.8%	74.6% -3.0% YoY	84.1% +2.7% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.9% +53.5% YoY-4.0% QoQ	+0.2	0.8% +6.9% YoY	1.3% -24.7% YoY	1.2% +3.4% YoY	77%
Loan To Share	92.2% -1.9% YoY-2.8% QoQ	+9.0%	83.2% -0.4% YoY	74.3% +0.8% YoY	65.6% -1.4% YoY	73%
AMR	$23,802 -7.0% YoY+1.2% QoQ	$-6K	$29,652 +2.3% YoY	$17,856 +2.9% YoY	$19,920 +1.6% YoY	23%
CD Concentration	27.7% -11.6% YoY+9.4% QoQ	-1.1%	28.8%	21.2%	19.8%	46%
Indirect Auto %	0.0%	-18.1%	18.1%	4.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#15 of 116 • Top 8.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.30%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#30 of 115 • Top 8.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.30%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.50%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#15 of 82 • Bottom 96.3% in tier

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

Why This Signature

AMR Growth (YoY): -7.02%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Quality Pressure

risk

#40 of 225 • Bottom 10.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#112 of 183 • Bottom 78.9% in tier

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

Why This Signature

Loan Growth (YoY): 0.61%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#138 of 148 • Bottom 30.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.20%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.61%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Efficiency Drag

risk

#94 of 100 • Bottom 24.5% in tier

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

Why This Signature

Efficiency Ratio: 80.47%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.15% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 9.30%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Member Growth Rate

growth

Value: 9.30%

Peer Median: 2.03%

#26 of 306 Top 8.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $309.16

Peer Median: $191.54

#29 of 306 Top 9.2% in 1B-3B tier

Top Weaknesses (5 metrics)

296

AMR Growth Rate

growth

Value: -7.02%

Peer Median: 3.15%

#296 of 306 Bottom 3.6% in 1B-3B tier

240

Net Worth Ratio

risk

Value: 9.50%

Peer Median: 10.85%

#240 of 306 Bottom 21.9% in 1B-3B tier

237

Loan Growth Rate

growth

Value: 0.61%

Peer Median: 5.67%

#237 of 306 Bottom 22.9% in 1B-3B tier

236

Total Delinquency Rate (60+ days)

risk

Value: 0.94%

Peer Median: 0.63%

#236 of 306 Bottom 23.2% in 1B-3B tier

235

Average Member Relationship (AMR)

engagement

Value: $23,802

Peer Median: $28,178

#235 of 306 Bottom 23.5% in 1B-3B tier