BlastPoint's Credit Union Scorecard
SKYONE
Charter #6248 · CA
SKYONE has 3 strengths but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.6% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
- + AMR Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 0.7% in tier
- - Stagnation Risk: Bottom 0.7% in tier
- - ROA 1.01% below tier average
- - Efficiency ratio 2.16% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
- - Member decline: -22.0% YoY
- - Member Growth Rate: Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 1.7% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Deposit Growth Rate: Bottom 1.7% in tier
- - Net Worth Ratio: Bottom 3.4% in tier
- - Net Charge-Off Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,902
-22.0% YoY-17.8% QoQ
|
-182 |
52,084
-1.6% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$881.9M
-12.2% YoY-3.9% QoQ
|
+$18.0M |
$863.9M
+0.5% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$610.3M
-9.0% YoY-1.3% QoQ
|
+$4.5M |
$605.8M
+1.4% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$721.3M
-11.0% YoY-0.9% QoQ
|
$-16.0M |
$737.3M
+0.1% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
-0.3%
-208.3% YoY-41.0% QoQ
|
-1.0% |
0.7%
+39.1% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
2.8%
+4.8% YoY+2.6% QoQ
|
-0.6% |
3.4%
+8.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
76.5%
-11.0% YoY-2.1% QoQ
|
+2.2% |
74.3%
-3.6% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.3%
-28.3% YoY+10.3% QoQ
|
+0.5 |
0.9%
+3.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
84.6%
+2.3% YoY-0.4% QoQ
|
+2.0% |
82.6%
+1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$25,657
+15.3% YoY+20.4% QoQ
|
$-3K |
$28,873
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
37.5%
+12.9% YoY+5.3% QoQ
|
+13.0% | 24.4% | 21.7% | 19.8% | Top 10.2% in tier |
| Indirect Auto % |
13.5%
-56.3% YoY-10.3% QoQ
|
-0.3% | 13.8% | 9.2% | 7.8% | 60% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)