PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Skyla

Charlotte, NC · Charter 24808

NCUA · 20 branches

Q2 2026

$1.7BAssets
$1.3BLoans
$1.4BShares
$160.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.56%, up 14 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 1.32% of loans (+61 bps YoY).
  • Capital: net worth / assets of 9.61%, up 30 bps from a year ago.
  • Funding: loans stand at 93.01% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.56%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+22 bps YoY

Efficiency Ratio (YTD, annualized)

77.42%-226 bps YoY

Net Worth / Assets

9.61%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.56%0.63%0.50%0.56%+14 bps
Return on Equity4.55%5.90%6.58%5.21%5.84%+129 bps
Net Interest Margin3.35%3.45%3.47%3.51%3.57%+22 bps
Efficiency Ratio79.68%77.64%76.67%80.47%77.42%-226 bps
Growth
Asset Growth (YoY)3.12%2.97%3.30%2.64%3.06%-7 bps
Loan Growth (YoY)5.00%3.18%2.84%0.61%0.47%-453 bps
Share Growth (YoY)1.38%2.04%2.31%2.58%3.09%+171 bps
Asset Quality
Delinquent Loans / Loans0.71%0.75%0.98%0.94%1.32%+61 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.31%9.56%9.56%9.50%9.61%+30 bps
Net Worth / Assets9.31%9.56%9.56%9.50%9.61%+30 bps
Liquidity & Funding
Loans / Shares95.44%95.19%94.82%92.20%93.01%-243 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps