BlastPoint's Credit Union Scorecard
SKY
Charter #761 · MT
SKY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.87% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 11.86% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Net Worth Ratio: Bottom 2.0% in tier
- - Members Per Employee (MPE): Bottom 2.3% 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 12 that size in Montana.
- Shares and deposits +0.8% year over year ($177M in shares and deposits).
- Membership: 12,930 members, +1.2% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.31%.
- Efficiency ratio 88.59% vs a 76.73% peer average.
- Loan-to-share ratio 71.19% 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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,930
+1.2% YoY+1.4% QoQ
|
-2.2K |
15,168
-2.6% YoY
|
10,566
-1.9% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$197.3M
+1.4% YoY+3.6% QoQ
|
$-34.7M |
$232.0M
+0.7% YoY
|
$194.5M
+2.8% YoY
|
$593.1M
+10.2% YoY
|
50% |
| Loans |
$126.1M
+3.9% YoY+4.1% QoQ
|
$-20.2M |
$146.3M
+0.2% YoY
|
$131.1M
+3.2% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$177.1M
+0.8% YoY+2.8% QoQ
|
$-23.6M |
$200.7M
+0.2% YoY
|
$167.3M
+2.4% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.3%
-2.1% YoY-56.0% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.9%
+32.5% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
4.6%
+15.1% YoY-1.1% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.7%
-0.1% YoY
|
3.8%
+2.3% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
88.6%
-3.0% YoY+7.1% QoQ
|
+11.9% |
76.7%
-0.8% YoY
|
77.6%
+2.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate |
1.0%
+71.8% YoY+29.1% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.8%
+6.4% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
71.2%
+3.1% YoY+1.3% QoQ
|
-0.3% |
71.5%
-0.3% YoY
|
65.5%
-4.7% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$23,444
+0.9% YoY+1.9% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$22,069
+4.9% YoY
|
$20,028
-0.9% YoY
|
52% |
| CD Concentration |
18.5%
-19.2% YoY-5.9% QoQ
|
-6.1% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.7% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)