BlastPoint's Credit Union Scorecard

SKYWARD

Charter #63300 · KS

1069 CUs in 100M-500M nationally 9 in KS

SKYWARD has 1 strength but faces 7 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 9.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 16.2% in tier
  • - Deposit Outflow: Bottom 60.3% in tier
  • - Efficiency Drag: Bottom 60.9% in tier
  • - ROA 1.19% below tier average
  • - Efficiency ratio 11.90% above tier (higher cost structure)
  • - Delinquency rate 0.29% above tier average
  • - Share Certificate Concentration (%): Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Members 21,671
+2.5% YoY-0.6% QoQ
 +6.2K 15,437
-2.9% YoY
 12,209
-35.0% YoY
 33,374
+5.7% YoY
 80%
Assets $387.3M
+10.6% YoY+2.1% QoQ
 +$155.4M $231.9M
+1.3% YoY
 $164.3M
-37.3% YoY
 $561.6M
+9.7% YoY
 Top 12.7% in tier
Loans $217.8M
+8.5% YoY-1.4% QoQ
 +$70.5M $147.3M
-0.1% YoY
 $120.8M
-36.2% YoY
 $397.0M
+8.8% YoY
 80%
Deposits $323.2M
-1.2% YoY-1.0% QoQ
 +$122.4M $200.8M
+0.8% YoY
 $139.5M
-36.6% YoY
 $477.3M
+9.7% YoY
 Top 14.6% 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 -0.4%
-83.6% YoY+98.6% QoQ
 -1.2% 0.8%
+18.2% YoY
 0.6%
+32.6% YoY
 0.7%
+15.9% YoY
 Bottom 2.9% in tier
NIM 2.9%
+30.0% YoY+0.7% QoQ
 -0.7% 3.6%
+6.7% YoY
 4.0%
+7.1% YoY
 3.8%
+5.1% YoY
 Bottom 13.4% in tier
Efficiency Ratio 88.9%
-68.3% YoY-4.6% QoQ
 +11.9% 77.0%
-3.1% YoY
 78.8%
-6.8% YoY
 79.7%
-3.3% YoY
 Top 11.8% in tier
Delinquency Rate 1.2%
-2.0% YoY+17.0% QoQ
 +0.3 0.9%
+4.2% YoY
 1.5%
-6.0% YoY
 1.3%
-2.1% YoY
 78%
Loan To Share 67.4%
+9.9% YoY-0.4% QoQ
 -4.8% 72.2%
-1.1% YoY
 71.6%
-2.2% YoY
 67.4%
-1.7% YoY
 37%
AMR $24,965
+0.0% YoY-0.6% QoQ
 +$289 $24,676
+3.4% YoY
 $16,403
+0.2% YoY
 $19,687
+2.0% YoY
 62%
CD Concentration 39.4%
-9.1% YoY-4.1% QoQ
 +15.0% 24.4% 24.6% 19.8% 50%
Indirect Auto % 33.8%
-3.4% YoY+0.3% QoQ
 +20.0% 13.8% 12.2% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#83 of 506 • Bottom 16.2% in tier

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

Why This Signature
Asset Growth (YoY): 10.61%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 33.77%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 2.45%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Deposit Outflow

decline
#42 of 69 • Bottom 60.3% 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): -1.23%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 2.45%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Efficiency Drag

risk
#328 of 538 • Bottom 60.9% in tier

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

Why This Signature
Efficiency Ratio: 88.92%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 2.18% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 2.45%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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 1069 peers in tier

Top Strengths (8 metrics)

107
Asset Growth Rate
growth
Value: 10.61%
Peer Median: -
#107 of 1069 Top 9.9% in 100M-500M tier
136
Total Assets
balance_sheet
Value: $387.29M
Peer Median: -
#136 of 1069 Top 12.6% in 100M-500M tier
156
Total Deposits
balance_sheet
Value: $323.22M
Peer Median: -
#156 of 1069 Top 14.5% in 100M-500M tier
205
First Mortgage Concentration (%)
balance_sheet
Value: 14.40%
Peer Median: -
#205 of 1069 Top 19.1% in 100M-500M tier
209
Total Members
engagement
Value: 21,671
Peer Median: -
#209 of 1069 Top 19.5% in 100M-500M tier
215
Total Loans
balance_sheet
Value: $217.80M
Peer Median: -
#215 of 1069 Top 20.0% in 100M-500M tier
232
Loan Growth Rate
growth
Value: 8.51%
Peer Median: -
#232 of 1069 Top 21.6% in 100M-500M tier
250
Member Growth Rate
growth
Value: 2.45%
Peer Median: -
#250 of 1069 Top 23.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1038
Return on Assets (ROA)
profitability
Value: -0.43%
Peer Median: -
#1038 of 1069 Bottom 3.0% in 100M-500M tier
979
Share Certificate Concentration (%)
balance_sheet
Value: 39.43%
Peer Median: -
#979 of 1069 Bottom 8.5% in 100M-500M tier
963
Net Charge-Off Rate
risk
Value: 1.04%
Peer Median: -
#963 of 1069 Bottom 10.0% in 100M-500M tier
947
Deposit Growth Rate
growth
Value: -1.23%
Peer Median: -
#947 of 1069 Bottom 11.5% in 100M-500M tier
944
Efficiency Ratio
profitability
Value: 88.92%
Peer Median: -
#944 of 1069 Bottom 11.8% in 100M-500M tier
935
Indirect Auto Concentration (%)
balance_sheet
Value: 33.77%
Peer Median: -
#935 of 1069 Bottom 12.6% in 100M-500M tier
926
Net Interest Margin (NIM)
profitability
Value: 2.87%
Peer Median: -
#926 of 1069 Bottom 13.5% in 100M-500M tier
866
AMR Growth Rate
growth
Value: 0.02%
Peer Median: -
#866 of 1069 Bottom 19.1% in 100M-500M tier
834
Total Delinquency Rate (60+ days)
risk
Value: 1.19%
Peer Median: -
#834 of 1069 Bottom 22.1% in 100M-500M tier
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