BlastPoint's Credit Union Scorecard
SKYONE
Charter #6248 · CA
SKYONE has 2 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 15.0% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 3.9% in tier
- - Efficiency Drag: Bottom 18.1% in tier
- - Stagnation Risk: Bottom 98.7% in tier
- - Membership Headwinds: Bottom 98.7% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 12.97% above tier (higher cost structure)
- - Delinquency rate 0.48% above tier average
- - Member decline: -13.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,872
-13.8% YoY+1.9% QoQ
|
+1.4K |
51,500
+0.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$875.8M
-8.8% YoY-0.7% QoQ
|
+$10.2M |
$865.6M
+0.9% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
56% |
| Loans |
$620.4M
-6.9% YoY+1.6% QoQ
|
+$25.1M |
$595.3M
+1.6% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$731.1M
-6.9% YoY+1.4% QoQ
|
$-11.1M |
$742.2M
+0.6% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.2%
-113.3% YoY-168.8% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.8% in tier |
| NIM |
2.7%
+10.1% YoY-3.3% QoQ
|
-0.8% |
3.5%
+6.1% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.4% in tier |
| Efficiency Ratio |
88.5%
-4.4% YoY+15.7% QoQ
|
+13.0% |
75.5%
-3.4% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
1.2%
-24.8% YoY-14.1% QoQ
|
+0.5 |
0.7%
-0.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
84.9%
+0.0% YoY+0.3% QoQ
|
+4.2% |
80.6%
+0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$25,560
+8.1% YoY-0.4% QoQ
|
$-3K |
$28,908
+0.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
37.0%
+4.6% YoY-1.3% QoQ
|
+12.7% | 24.3% | 21.6% | 19.8% | Top 10.3% in tier |
| Indirect Auto % |
12.5%
-58.7% YoY-7.3% QoQ
|
-1.3% | 13.8% | 9.0% | 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)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
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)