BlastPoint's Credit Union Scorecard
SKYONE
Charter #6248 · CA
SKYONE has 3 strengths but faces 8 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 10.4% in tier
- + Members Per Employee (MPE): Top 3.6% in tier
- + AMR Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 4.2% in tier
- - Efficiency Drag: Bottom 38.2% in tier
- - Stagnation Risk: Bottom 96.4% in tier
- - Membership Headwinds: Bottom 96.4% in tier
- - ROA 0.62% below tier average
- - Efficiency ratio 6.23% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
- - Member decline: -9.3% YoY
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 12 that size in California.
- Shares and deposits +0.4% year over year ($732M in shares and deposits).
- Membership: 54,906 members, -9.3% vs a year ago.
- Delinquency rate 1.25%.
- Return on assets 0.22%.
- Efficiency ratio 80.76% vs a 74.54% peer average.
- Loan-to-share ratio 84.99% vs a 82.60% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
54,906
-9.3% YoY+3.8% QoQ
|
+2.4K |
52,482
+1.3% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$863.3M
-7.0% YoY-1.4% QoQ
|
$-610K |
$863.9M
+0.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$622.4M
-1.9% YoY+0.3% QoQ
|
+$14.6M |
$607.8M
+2.1% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
48% |
| Deposits |
$732.3M
+0.4% YoY+0.2% QoQ
|
$-7.6M |
$739.9M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
0.2%
-124.9% YoY+23.1% QoQ
|
-0.6% |
0.8%
+30.4% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.9% in tier |
| NIM |
2.7%
+5.1% YoY+2.6% QoQ
|
-0.8% |
3.5%
+6.2% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio |
80.8%
+0.6% YoY-8.7% QoQ
|
+6.2% |
74.5%
-1.4% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
1.3%
-3.7% YoY+8.4% QoQ
|
+0.5 |
0.8%
+1.0% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
80% |
| Loan To Share |
85.0%
-2.3% YoY+0.2% QoQ
|
+2.4% |
82.6%
+1.9% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$24,672
+9.6% YoY-3.5% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
40.3%
+13.5% YoY+9.0% QoQ
|
+15.7% | 24.6% | 22.2% | 20.0% | Top 7.5% in tier |
| Indirect Auto % |
12.6%
-24.8% YoY+0.9% QoQ
|
-1.0% | 13.6% | 9.2% | 7.7% | 58% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)