Skypoint

GERMANTOWN, MD · 1 · Charter #18917 · www.skypointfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$249.2M
100th percentile
Members
13,829
86th percentile
Total loans
$189.5M
100th percentile
Total shares
$180.0M
91th percentile

Profitability

Return on assets
0.37%
11th percentile
Net interest margin
3.90%
64th percentile
Efficiency ratio
69.19%
29th percentile
Non-interest income ratio
21.37%
70th percentile

Capital & Risk

Net worth ratio
11.77%
44th percentile
Delinquency rate
1.67%
14th percentile
Net charge-off rate
0.62%
24th percentile
Loan-to-share
105.32%
98th percentile

Growth

Member growth YoY
2.50%
83th percentile
Asset growth YoY
4.23%
53th percentile
Loan growth YoY
9.40%
85th percentile
Share growth YoY
0.87%
29th percentile

Operations

Members / branch
4,610
78th percentile
Assets / member
$18,022
76th percentile
Field of membership penetration
0.58%
7th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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