BlastPoint's Credit Union Scorecard

SKY

Charter #761 · MT

100M-500M

1070 CUs in 100M-500M nationally 13 in MT

SKY has 3 strengths but faces 6 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Net Interest Margin 0.98% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency ratio 4.72% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 1.5% in tier
- Net Worth Ratio: Bottom 3.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	12,746 +0.6% YoY+0.6% QoQ	-2.4K	15,145 -2.5% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	48%
Assets	$190.4M +0.0% YoY-4.6% QoQ	$-41.3M	$231.7M +0.8% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	48%
Loans	$121.1M +0.9% YoY+0.9% QoQ	$-23.1M	$144.1M +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	50%
Deposits	$172.2M +0.5% YoY+0.1% QoQ	$-28.9M	$201.1M +0.4% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	50%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +233.2% YoY	+0.0%	0.7% +5.1% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	51%
NIM	4.6% +20.1% YoY+15.9% QoQ	+1.0%	3.6% +4.6% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	Top 7.9% in tier
Efficiency Ratio	82.7% -11.6% YoY-9.4% QoQ	+4.7%	78.0% -1.7% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.8% +32.2% YoY-6.0% QoQ	+0.0	0.8% +7.1% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	65%
Loan To Share	70.3% +0.4% YoY+0.8% QoQ	-0.1%	70.4% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	47%
AMR	$23,011 +0.1% YoY-0.2% QoQ	$-2K	$24,918 +2.7% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	51%
CD Concentration	19.6% -12.4% YoY-15.3% QoQ	-4.6%	24.3%	18.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.6%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#306 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.70%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#361 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#340 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY

Efficiency Drag

risk

#407 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: 82.74%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.49% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Risk Growth

risk

#387 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 0.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.61%

Peer Median: 3.62%

#84 of 1070 Top 7.8% in 100M-500M tier

230

Fee Income Per Member

profitability

Value: $210.52

Peer Median: $154.95

#230 of 1070 Top 21.4% in 100M-500M tier

Top Weaknesses (5 metrics)

1055

Members Per Employee (MPE)

engagement

Value: 177.028

Peer Median: 309.176

#1055 of 1070 Bottom 1.5% in 100M-500M tier

1033

Net Worth Ratio

risk

Value: 8.02%

Peer Median: 11.45%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

881

Asset Growth Rate

growth

Value: 0.00%

Peer Median: 3.91%

#881 of 1070 Bottom 17.8% in 100M-500M tier

843

AMR Growth Rate

growth

Value: 0.12%

Peer Median: 3.46%

#843 of 1070 Bottom 21.3% in 100M-500M tier

810

Deposit Growth Rate

growth

Value: 0.53%

Peer Median: 3.30%

#810 of 1070 Bottom 24.4% in 100M-500M tier