BlastPoint's Credit Union Scorecard
SKYLA
Charter #24808 · NC
SKYLA has 6 strengths but faces 7 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 Leader: Top 20.4% in tier
- + Organic Growth Engine: Top 20.4% in tier
- + Emerging Performer: Top 72.5% in tier
- + Net Interest Margin 0.16% above tier average
- + Strong member growth: 5.2% YoY
- + Fee Income Per Member: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.8% in tier
- - Liquidity Strain: Bottom 35.5% in tier
- - Shrinking Wallet Share: Bottom 91.9% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 4.40% above tier (higher cost structure)
- - Delinquency rate 0.45% above tier average
- - AMR Growth Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 6 that size in North Carolina.
- Shares and deposits +3.1% year over year ($1.41B in shares and deposits).
- Membership: 113,123 members, +5.2% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 0.56%.
- Efficiency ratio 77.42% vs a 73.02% peer average.
- Loan-to-share ratio 93.01% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
113,123
+5.2% YoY+0.1% QoQ
|
+16.3K |
96,861
-1.9% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$1.7B
+3.1% YoY+0.5% QoQ
|
$-59.2M |
$1.7B
+0.4% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$1.3B
+0.5% YoY+1.3% QoQ
|
+$72.9M |
$1.2B
+0.7% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
64% |
| Deposits |
$1.4B
+3.1% YoY+0.4% QoQ
|
$-57.9M |
$1.5B
+0.5% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
0.6%
+32.6% YoY+13.6% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.6%
+6.8% YoY+1.9% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
77.4%
-2.8% YoY-3.8% QoQ
|
+4.4% |
73.0%
-2.7% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
1.3%
+86.1% YoY+40.0% QoQ
|
+0.5 |
0.9%
+7.3% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
93.0%
-2.5% YoY+0.9% QoQ
|
+8.3% |
84.7%
+0.1% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$23,979
-3.2% YoY+0.7% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
30.1%
+13.4% YoY+8.6% QoQ
|
+1.0% | 29.1% | 21.4% | 20.0% | 56% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)