Skyla Federal Credit Union
Total assets
$1.66B
▲ +2.6% YoY
Shares & deposits
$1.40B
▲ +2.6% YoY
Loans
$1.29B
▲ +0.6% YoY
Members
112,990
▲ +9.3% YoY
ROA (annualized)
0.50%
peers 0.71%
ROE (annualized)
5.21%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +5.1% | -2.5 pts |
| Share growth (YoY) | +2.6% | +4.9% | -2.3 pts |
| Loan growth (YoY) | +0.6% | +5.4% | -4.8 pts |
| ROA | 0.50% | 0.71% | -0.2 pts |
| ROE | 5.2% | 6.3% | -1.1 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
Profile
- Established
- 1962
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3700 South Blvd, Suite 400, Charlotte, NC, 28209
- NCUA charter #
- 24808
- RSSD ID
- 560090
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.66B | $1.40B | $1.29B | $157.3M | $2.1M | 0.50% | 3.51% | 0.94% | 112,990 |
| Q4 2025 | $1.62B | $1.37B | $1.29B | $155.3M | $10.2M | 0.63% | 3.47% | 0.98% | 113,118 |
| Q3 2025 | $1.61B | $1.35B | $1.28B | $153.8M | $6.8M | 0.56% | 3.45% | 0.75% | 111,034 |
| Q2 2025 | $1.62B | $1.36B | $1.30B | $150.4M | $3.4M | 0.42% | 3.35% | 0.71% | 107,533 |
| Q1 2025 | $1.61B | $1.36B | $1.28B | $148.3M | $1.4M | 0.34% | 3.24% | 0.61% | 103,378 |
| Q4 2024 | $1.57B | $1.33B | $1.26B | $147.0M | $2.6M | 0.17% | 3.23% | 0.77% | 103,069 |
| Q3 2024 | $1.56B | $1.32B | $1.25B | $148.1M | $1.8M | 0.15% | 3.24% | 0.87% | 103,354 |
| Q2 2024 | $1.57B | $1.34B | $1.24B | $145.8M | $-452K | -0.06% | 3.20% | 0.79% | 103,469 |
Loan mix (Q1 2026): real estate $622.0M · commercial $282.2M · consumer $375.7M · securities $25.8M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.71% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 6.3% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.32% | 63th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 73.0% | 78th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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