BlastPoint's Credit Union Scorecard
SKYWARD
Charter #63300 · KS
SKYWARD has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 1.0% in tier
- + Total Assets: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.74% below tier average
- - Efficiency ratio 11.30% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 5.8% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Kansas.
- Shares and deposits -4.2% year over year ($317M in shares and deposits).
- Membership: 21,997 members, +1.4% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.12%.
- Efficiency ratio 88.03% vs a 76.73% peer average.
- Loan-to-share ratio 70.72% vs a 71.54% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,997
+1.4% YoY+0.9% QoQ
|
+6.8K |
15,168
-2.6% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$467.4M
+24.2% YoY-0.9% QoQ
|
+$235.4M |
$232.0M
+0.7% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
Top 3.2% in tier |
| Loans |
$224.1M
+0.1% YoY+2.1% QoQ
|
+$77.9M |
$146.3M
+0.2% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$316.9M
-4.2% YoY-2.3% QoQ
|
+$116.2M |
$200.7M
+0.2% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
0.1%
-150.5% YoY
|
-0.7% |
0.9%
+12.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.7% in tier |
| NIM |
2.7%
-2.6% YoY+6.1% QoQ
|
-1.0% |
3.7%
+4.5% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
88.0%
-7.4% YoY-4.4% QoQ
|
+11.3% |
76.7%
-0.8% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.9%
-40.0% YoY-6.2% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
70.7%
+4.5% YoY+4.5% QoQ
|
-0.8% |
71.5%
-0.3% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$24,598
-3.8% YoY-1.4% QoQ
|
$-509 |
$25,107
+3.2% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
36.8%
-12.1% YoY+1.0% QoQ
|
+12.3% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % |
36.7%
+9.5% YoY+2.2% QoQ
|
+23.1% | 13.6% | 12.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)