SKYONE

Charter #6248 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

SKYONE has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 30.1% in tier
  • + Members Per Employee (MPE): Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 2.9% in tier
  • - Shrinking Wallet Share: Bottom 3.0% in tier
  • - Indirect Auto Dependency: Bottom 32.6% in tier
  • - ROA 1.16% below tier average
  • - Efficiency ratio 3.66% above tier (higher cost structure)
  • - Delinquency rate 0.40% above tier average
  • - Loan Growth Rate: Bottom 1.8% in tier
  • - AMR Growth Rate: Bottom 1.8% in tier
  • - Asset Growth Rate: Bottom 2.7% in tier
  • - Net Worth Ratio: Bottom 3.6% in tier
  • - Deposit Growth Rate: Bottom 5.4% in tier
  • - Net Charge-Off Rate: Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 63,146
+0.7% YoY+4.3% QoQ
 +11.0K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 24.1% in tier
Assets $918.0M
-8.5% YoY-1.1% QoQ
 +$59.0M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 21.4% in tier
Loans $618.1M
-12.1% YoY-2.6% QoQ
 +$14.7M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 49th in tier
Deposits $727.5M
-2.7% YoY-0.3% QoQ
 $-6.7M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 49th in tier
ROA -0.5%
-2211.5% YoY-50.1% QoQ
 -1.2% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.9% in tier
NIM 2.7%
+4.0% YoY+3.3% QoQ
 -0.7% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 15.2% in tier
Efficiency Ratio 78.2%
-14.9% YoY-2.6% QoQ
 +3.7% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 59th in tier
Delinquency Rate 1.2%
-14.6% YoY-6.3% QoQ
 +0.4 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 22.3% in tier
Loan To Share 85.0%
-9.7% YoY-2.3% QoQ
 +2.3% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 44th in tier
AMR $21,309
-8.0% YoY-5.4% QoQ
 $-7K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 35.6%
-15.7% YoY+0.2% QoQ
 +11.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 14.5% in tier
Indirect Auto % 15.0%
-50.5% YoY-10.3% QoQ
 +1.1% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 61st in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#398 of 430 • Top 30.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.75%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Deposit Outflow

decline
#18 of 114 • Bottom 2.9% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.74%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $917.99M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#31 of 244 • Bottom 3.0% in tier

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

Why This Signature
AMR Growth (YoY): -7.98%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#525 of 525 • Bottom 32.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -8.46%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.03%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.75%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

5
Members Per Employee (MPE)
engagement
Value: 637.838
Peer Avg: 361.634
#5 of 112 Top 3.6% in 750M-1B tier
16
First Mortgage Concentration (%)
balance_sheet
Value: 17.59%
Peer Avg: 33.64%
#16 of 112 Top 13.4% in 750M-1B tier
24
Total Assets
balance_sheet
Value: $917.99M
Peer Avg: $859.01M
#24 of 112 Top 20.5% in 750M-1B tier
27
Total Members
engagement
Value: 63,146
Peer Avg: 52,114
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (11 metrics)

111
Return on Assets (ROA)
profitability
Value: -0.45%
Peer Avg: 0.71%
#111 of 112 Bottom 1.8% in 750M-1B tier
111
Loan Growth Rate
growth
Value: -12.13%
Peer Avg: 4.84%
#111 of 112 Bottom 1.8% in 750M-1B tier
111
AMR Growth Rate
growth
Value: -7.98%
Peer Avg: 4.90%
#111 of 112 Bottom 1.8% in 750M-1B tier
110
Asset Growth Rate
growth
Value: -8.46%
Peer Avg: 4.25%
#110 of 112 Bottom 2.7% in 750M-1B tier
109
Net Worth Ratio
risk
Value: 7.39%
Peer Avg: 11.52%
#109 of 112 Bottom 3.6% in 750M-1B tier
107
Deposit Growth Rate
growth
Value: -2.74%
Peer Avg: 5.03%
#107 of 112 Bottom 5.4% in 750M-1B tier
106
Net Charge-Off Rate
risk
Value: 1.59%
Peer Avg: 0.61%
#106 of 112 Bottom 6.2% in 750M-1B tier
95
Net Interest Margin (NIM)
profitability
Value: 2.69%
Peer Avg: 3.38%
#95 of 112 Bottom 16.1% in 750M-1B tier
92
Fee Income Per Member
profitability
Value: $143.04
Peer Avg: $204.75
#92 of 112 Bottom 18.8% in 750M-1B tier
90
Share Certificate Concentration (%)
balance_sheet
Value: 35.56%
Peer Avg: 28.34%
#90 of 112 Bottom 20.5% in 750M-1B tier