BlastPoint's Credit Union Scorecard

SKYLA

Charter #24808 · NC

Mid-Market 1B-3B

Skyla at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Skyla is one of 101 credit unions in the 2026 VentureTech card set. We also found Skyla's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Skyla

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SKYLA
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SKYLA'S BIGGEST OPPORTUNITY

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

View Mid-Market leaderboard →

SKYLA has 4 strengths but faces 7 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 20.4% 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#29 of 112 • Top 20.4% in tier

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

Why This Signature

Member Growth (YoY): 5.20%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#31 of 113 • Top 20.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.20%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.56%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Emerging Performer

growth

#55 of 82 • Top 72.5% 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: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 5.20%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#14 of 215 • Bottom 3.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.61% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#31 of 69 • Bottom 91.9% in tier

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

Why This Signature

AMR Growth (YoY): -3.22%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | Rank improving

Liquidity Strain

risk

#153 of 168 • Bottom 35.5% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.01%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.47%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Fee Income Per Member

profitability

Value: $317.04

Peer Median: $204.73

#31 of 300 Top 10.0% in 1B-3B tier

Member Growth Rate

growth

Value: 5.20%

Peer Median: 1.84%

#55 of 300 Top 18.0% in 1B-3B tier

Top Weaknesses (6 metrics)

276

AMR Growth Rate

growth

Value: -3.22%

Peer Median: 3.19%

#276 of 300 Bottom 8.3% in 1B-3B tier

245

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Median: 0.70%

#245 of 300 Bottom 18.7% in 1B-3B tier

240

Net Worth Ratio

risk

Value: 9.61%

Peer Median: 10.91%

#240 of 300 Bottom 20.3% in 1B-3B tier

239

Loan Growth Rate

growth

Value: 0.47%

Peer Median: 5.71%

#239 of 300 Bottom 20.7% in 1B-3B tier

228

Average Member Relationship (AMR)

engagement

Value: $23,979

Peer Median: $28,089

#228 of 300 Bottom 24.3% in 1B-3B tier

226

Net Charge-Off Rate

risk

Value: 0.79%

Peer Median: 0.52%

#226 of 300 Bottom 25.0% in 1B-3B tier