SKYWARD

Charter #63300 | KS

100M-500M (1077 CUs) Micro
9 100M-500M in KS

SKYWARD faces 10 concerns requiring attention

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 8.8% in tier
  • - Efficiency Drag: Bottom 10.5% in tier
  • - Liquidity Overhang: Bottom 24.3% in tier
  • - Indirect Auto Dependency: Bottom 29.6% in tier
  • - ROA 1.00% below tier average
  • - Efficiency ratio 15.91% above tier (higher cost structure)
  • - Delinquency rate 0.16% above tier average
  • - Asset Growth Rate: Bottom 3.6% in tier
  • - Share Certificate Concentration (%): Bottom 6.0% in tier
  • - Deposit Growth Rate: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 21,794
+3.2% YoY+0.4% QoQ
 +6.2K 15,628
-3.4% YoY
 17,915
-2.9% YoY
 33,089
+6.1% YoY
 Top 20.3% in tier
Assets $379.2M
-5.1% YoY+0.7% QoQ
 +$147.9M $231.3M
-0.0% YoY
 $244.1M
-6.9% YoY
 $547.7M
+7.8% YoY
 Top 13.6% in tier
Loans $220.9M
+10.6% YoY-1.3% QoQ
 +$73.1M $147.8M
-1.4% YoY
 $175.9M
-4.8% YoY
 $388.7M
+8.6% YoY
 Top 19.9% in tier
Deposits $326.4M
-1.8% YoY-1.4% QoQ
 +$126.1M $200.3M
-0.0% YoY
 $209.0M
-2.4% YoY
 $464.6M
+9.3% YoY
 Top 13.6% in tier
ROA -0.2%
-56.5% YoY-11.0% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.7%
+53.0% YoY
 0.7%
+273.4% YoY
 Bottom 4.1% in tier
NIM 2.9%
+39.7% YoY+2.8% QoQ
 -0.7% 3.6%
+6.9% YoY
 4.0%
+8.4% YoY
 3.7%
+5.0% YoY
 Bottom 13.8% in tier
Efficiency Ratio 93.2%
-11.0% YoY-2.0% QoQ
 +15.9% 77.3%
-3.0% YoY
 77.0%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 6.1% in tier
Delinquency Rate 1.0%
-7.3% YoY-29.7% QoQ
 +0.2 0.9%
+7.6% YoY
 1.2%
-23.8% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 67.7%
+12.7% YoY+0.0% QoQ
 -5.0% 72.7%
-1.5% YoY
 71.9%
-2.0% YoY
 68.0%
-1.7% YoY
 36th in tier
AMR $25,113
-0.4% YoY-1.8% QoQ
 +$749 $24,363
+2.9% YoY
 $16,347
+1.3% YoY
 $19,418
+1.3% YoY
 65th in tier
CD Concentration 41.1%
-4.5% YoY-1.7% QoQ
 +16.7% 24.4%
+4.2% YoY
 24.2%
-2.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 33.7%
-4.6% YoY+0.3% QoQ
 +19.7% 14.0%
-5.8% YoY
 12.4%
-5.6% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Deposit Outflow

decline
#53 of 114 • Bottom 8.8% in tier

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

Why This Signature
Deposit Growth (YoY): -1.85%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $379.18M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#187 of 521 • Bottom 10.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 93.19%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.28% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 3.25%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Overhang

risk
#377 of 552 • Bottom 24.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.47%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 67.68%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#477 of 525 • Bottom 29.6% in tier

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

Why This Signature
Asset Growth (YoY): -5.13%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.66%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.25%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 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 1077 peers in tier

Top Strengths (7 metrics)

147
Loan Growth Rate
growth
Value: 10.58%
Peer Avg: 3.45%
#147 of 1077 Top 13.6% in 100M-500M tier
147
Total Assets
balance_sheet
Value: $379.18M
Peer Avg: $231.30M
#147 of 1077 Top 13.6% in 100M-500M tier
147
Total Deposits
balance_sheet
Value: $326.39M
Peer Avg: $200.29M
#147 of 1077 Top 13.6% in 100M-500M tier
191
Member Growth Rate
growth
Value: 3.25%
Peer Avg: 0.72%
#191 of 1077 Top 17.6% in 100M-500M tier
209
First Mortgage Concentration (%)
balance_sheet
Value: 14.57%
Peer Avg: 30.43%
#209 of 1077 Top 19.3% in 100M-500M tier
214
Total Loans
balance_sheet
Value: $220.91M
Peer Avg: $147.80M
#214 of 1077 Top 19.8% in 100M-500M tier
219
Total Members
engagement
Value: 21,794
Peer Avg: 15,628
#219 of 1077 Top 20.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1039
Asset Growth Rate
growth
Value: -5.13%
Peer Avg: 4.70%
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1033
Return on Assets (ROA)
profitability
Value: -0.22%
Peer Avg: 0.79%
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1013
Share Certificate Concentration (%)
balance_sheet
Value: 41.12%
Peer Avg: 23.61%
#1013 of 1077 Bottom 6.0% in 100M-500M tier
1012
Efficiency Ratio
profitability
Value: 93.19%
Peer Avg: 77.28%
#1012 of 1077 Bottom 6.1% in 100M-500M tier
972
Deposit Growth Rate
growth
Value: -1.85%
Peer Avg: 4.69%
#972 of 1077 Bottom 9.8% in 100M-500M tier
936
Indirect Auto Concentration (%)
balance_sheet
Value: 33.66%
Peer Avg: 13.34%
#936 of 1077 Bottom 13.2% in 100M-500M tier
928
Net Interest Margin (NIM)
profitability
Value: 2.85%
Peer Avg: 3.58%
#928 of 1077 Bottom 13.9% in 100M-500M tier
881
Net Charge-Off Rate
risk
Value: 0.73%
Peer Avg: 0.47%
#881 of 1077 Bottom 18.3% in 100M-500M tier
874
AMR Growth Rate
growth
Value: -0.42%
Peer Avg: 3.64%
#874 of 1077 Bottom 18.9% in 100M-500M tier