BlastPoint's Credit Union Scorecard

SKYWARD

Charter #63300 · KS

100M-500M
1070 CUs in 100M-500M nationally 10 in KS

SKYWARD has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?
KS Analysis

How does KS stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Asset Growth Rate: Top 1.2% in tier
  • + Total Assets: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - ROA 0.71% below tier average
  • - Efficiency ratio 14.07% above tier (higher cost structure)
  • - Delinquency rate 0.15% above tier average
  • - Deposit Growth Rate: Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 21,798
+1.7% YoY+0.6% QoQ
 +6.7K 15,145
-2.5% YoY
 12,306
-36.1% YoY
 33,913
+5.7% YoY
 82%
Assets $471.8M
+25.3% YoY+21.8% QoQ
 +$240.1M $231.7M
+0.8% YoY
 $170.3M
-37.4% YoY
 $578.3M
+9.0% YoY
 Top 2.8% in tier
Loans $219.5M
-0.9% YoY+0.8% QoQ
 +$75.4M $144.1M
+0.2% YoY
 $121.5M
-36.6% YoY
 $402.4M
+8.7% YoY
 82%
Deposits $324.4M
-4.4% YoY+0.4% QoQ
 +$123.3M $201.1M
+0.4% YoY
 $144.0M
-38.1% YoY
 $494.3M
+9.1% YoY
 Top 14.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.0%
-104.6% YoY-103.0% QoQ
 -0.7% 0.7%
+5.1% YoY
 0.6%
+30.6% YoY
 0.4%
-39.2% YoY
 Bottom 8.0% in tier
NIM 2.5%
-6.1% YoY-11.4% QoQ
 -1.1% 3.6%
+4.6% YoY
 4.0%
+4.6% YoY
 3.8%
+4.1% YoY
 Bottom 5.0% in tier
Efficiency Ratio 92.1%
-2.5% YoY+3.6% QoQ
 +14.1% 78.0%
-1.7% YoY
 78.0%
-2.8% YoY
 84.6%
+2.8% YoY
 Bottom 11.1% in tier
Delinquency Rate 0.9%
-10.1% YoY-22.3% QoQ
 +0.1 0.8%
+7.1% YoY
 1.3%
+3.6% YoY
 1.2%
+3.4% YoY
 72%
Loan To Share 67.7%
+3.7% YoY+0.4% QoQ
 -2.7% 70.4%
-0.4% YoY
 69.9%
-0.4% YoY
 65.6%
-1.4% YoY
 41%
AMR $24,953
-4.7% YoY-0.0% QoQ
 +$35 $24,918
+2.7% YoY
 $16,649
+0.9% YoY
 $19,920
+1.6% YoY
 61%
CD Concentration 36.4%
-12.6% YoY-7.6% QoQ
 +12.2% 24.3% 24.3% 19.8% 50%
Indirect Auto % 36.0%
+9.4% YoY+6.5% QoQ
 +22.1% 13.8% 12.2% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk
#24 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 25.31%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 35.95%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.74%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Deposit Outflow

decline
#8 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.41%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 1.74%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk
#135 of 596 • Bottom 50.0% in tier

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

Why This Signature
Efficiency Ratio: 92.09%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.30% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 1.74%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#68 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -4.67%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

14
Asset Growth Rate
growth
Value: 25.31%
Peer Median: 3.91%
#14 of 1070 Top 1.2% in 100M-500M tier
30
Total Assets
balance_sheet
Value: $471.77M
Peer Median: $196.57M
#30 of 1070 Top 2.7% in 100M-500M tier
154
Total Deposits
balance_sheet
Value: $324.41M
Peer Median: $171.29M
#154 of 1070 Top 14.3% in 100M-500M tier
188
Total Members
engagement
Value: 21,798
Peer Median: 13,200
#188 of 1070 Top 17.5% in 100M-500M tier
189
First Mortgage Concentration (%)
balance_sheet
Value: 13.51%
Peer Median: 29.47%
#189 of 1070 Top 17.6% in 100M-500M tier
198
Total Loans
balance_sheet
Value: $219.52M
Peer Median: $121.41M
#198 of 1070 Top 18.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1023
Deposit Growth Rate
growth
Value: -4.41%
Peer Median: 3.30%
#1023 of 1070 Bottom 4.5% in 100M-500M tier
1016
Net Interest Margin (NIM)
profitability
Value: 2.55%
Peer Median: 3.62%
#1016 of 1070 Bottom 5.1% in 100M-500M tier
1009
AMR Growth Rate
growth
Value: -4.67%
Peer Median: 3.46%
#1009 of 1070 Bottom 5.8% in 100M-500M tier
984
Return on Assets (ROA)
profitability
Value: 0.01%
Peer Median: 0.69%
#984 of 1070 Bottom 8.1% in 100M-500M tier
957
Indirect Auto Concentration (%)
balance_sheet
Value: 35.95%
Peer Median: 6.61%
#957 of 1070 Bottom 10.7% in 100M-500M tier
952
Efficiency Ratio
profitability
Value: 92.09%
Peer Median: 78.68%
#952 of 1070 Bottom 11.1% in 100M-500M tier
943
Share Certificate Concentration (%)
balance_sheet
Value: 36.43%
Peer Median: 23.10%
#943 of 1070 Bottom 12.0% in 100M-500M tier
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