BlastPoint's Credit Union Scorecard

SKY

Charter #761 · MT

1077 CUs in 100M-500M nationally 13 in MT

SKY has 4 strengths but faces 9 concerns

National Analysis

How does the industry compare?
MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 23.1% in tier
  • + Organic Growth Engine: Top 29.9% in tier
  • + Net Interest Margin 0.36% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.3% in tier
  • - Efficiency Drag: Bottom 7.2% in tier
  • - Credit Risk Growth: Bottom 7.7% in tier
  • - ROA 0.66% below tier average
  • - Efficiency ratio 13.90% above tier (higher cost structure)
  • - Delinquency rate 1.68% above tier average
  • - Net Worth Ratio: Bottom 1.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 3.8% in tier
  • - Members Per Employee (MPE): Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 12,713
+1.5% YoY-0.5% QoQ
 -2.9K 15,628
-3.4% YoY
 10,775
+3.4% YoY
 33,089
+6.1% YoY
 46%
Assets $202.8M
+4.3% YoY+4.2% QoQ
 $-28.5M $231.3M
-0.0% YoY
 $192.0M
+6.5% YoY
 $547.7M
+7.8% YoY
 51%
Loans $119.3M
+3.3% YoY-1.7% QoQ
 $-28.5M $147.8M
-1.4% YoY
 $128.7M
+5.8% YoY
 $388.7M
+8.6% YoY
 47%
Deposits $178.0M
+3.2% YoY+1.4% QoQ
 $-22.3M $200.3M
-0.0% YoY
 $165.1M
+6.8% YoY
 $464.6M
+9.3% YoY
 52%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.1%
-67.9% YoY-59.9% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.8%
-56.8% YoY
 0.7%
+273.4% YoY
 Bottom 10.7% in tier
NIM 3.9%
+14.2% YoY-0.4% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.7%
+3.8% YoY
 3.7%
+5.0% YoY
 69%
Efficiency Ratio 91.2%
+2.6% YoY-0.1% QoQ
 +13.9% 77.3%
-3.0% YoY
 75.4%
+3.6% YoY
 79.1%
-3.3% YoY
 Top 8.6% in tier
Delinquency Rate 2.5%
+473.3% YoY+325.9% QoQ
 +1.7 0.9%
+7.6% YoY
 1.0%
-7.2% YoY
 1.2%
-0.9% YoY
 Top 3.8% in tier
Loan To Share 67.0%
+0.1% YoY-3.0% QoQ
 -5.7% 72.7%
-1.5% YoY
 68.8%
-2.3% YoY
 68.0%
-1.7% YoY
 33%
AMR $23,383
+1.8% YoY+0.6% QoQ
 $-981 $24,363
+2.9% YoY
 $21,496
+3.0% YoY
 $19,418
+1.3% YoY
 56%
CD Concentration 24.1%
+8.5% YoY+5.4% QoQ
 -0.3% 24.4%
+4.2% YoY
 17.7%
+8.0% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
 6.1%
-1.9% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#305 of 430 • Top 23.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.48%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.97%, National: 7.90%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#549 of 603 • Top 29.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.48%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.13%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.97%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk
#8 of 736 • Bottom 0.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 2.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#127 of 521 • Bottom 7.2% in tier

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

Why This Signature
Efficiency Ratio: 91.18%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.27% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.48%
(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

Credit Risk Growth

risk
#116 of 446 • Bottom 7.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.34%
(Tier: 3.65%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 2.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 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 1077 peers in tier

Top Strengths (1 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 1077 Top 0.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1064
Net Worth Ratio
risk
Value: 7.46%
Peer Avg: -
#1064 of 1077 Bottom 1.3% in 100M-500M tier
1037
Total Delinquency Rate (60+ days)
risk
Value: 2.54%
Peer Avg: -
#1037 of 1077 Bottom 3.8% in 100M-500M tier
1034
Members Per Employee (MPE)
engagement
Value: 198.641
Peer Avg: -
#1034 of 1077 Bottom 4.1% in 100M-500M tier
985
Efficiency Ratio
profitability
Value: 91.18%
Peer Avg: -
#985 of 1077 Bottom 8.6% in 100M-500M tier
962
Return on Assets (ROA)
profitability
Value: 0.13%
Peer Avg: -
#962 of 1077 Bottom 10.8% in 100M-500M tier
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