SKYLA

Charter #24808 | NC

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in NC

SKYLA has 6 strengths but faces 5 concerns

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 10.6% 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
 67th in tier
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
 55th in tier
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
 63rd in tier
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
 54th in tier
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
 40th in tier
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
 60th in tier
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
 64th in tier
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
 55th in tier
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
 Top 24.7% in tier
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
 25th in tier
CD Concentration 26.0%
-20.0% YoY-2.2% QoQ
 -3.0% 29.0%
+0.8% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 37th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% 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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.43%
(Tier: 3.18%, National: 9.37%)
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: 18.80%, 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
#57 of 184 • Top 10.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

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: 86.35%, 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)

Comparing against 304 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
35
Member Growth Rate
growth
Value: 7.43%
Peer Avg: 2.20%
#35 of 304 Top 11.2% in 1B-3B tier
36
Fee Income Per Member
profitability
Value: $293.73
Peer Avg: $210.52
#36 of 304 Top 11.5% in 1B-3B tier
75
Loan-to-Share Ratio
balance_sheet
Value: 95.19%
Peer Avg: 85.19%
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (2 metrics)

284
AMR Growth Rate
growth
Value: -4.50%
Peer Avg: 3.29%
#284 of 304 Bottom 6.9% in 1B-3B tier
239
Net Worth Ratio
risk
Value: 9.55%
Peer Avg: 11.44%
#239 of 304 Bottom 21.7% in 1B-3B tier