SKYPOINT
Charter #18917 · GERMANTOWN, MD · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 13,920 sits at the 21st percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.54% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 88.87% sits at the 82nd percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 53rd percentile but its structural peers at the 21st — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SKYPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $249.79M | 63th pct | 31th pct |
| Members | 13,920 | 53th pct | 21th pct |
| Net worth ratio | 11.83% | 55th pct | 72th pct |
| Return on average assets | 0.35% | 26th pct | 30th pct |
| Net interest margin | 3.90% | 67th pct | 44th pct |
| Cost of funds | 1.55% | 69th pct | 62th pct |
| Loan-to-share | 96.84% | 97th pct | 97th pct |
| Delinquency 60+ days | 1.54% | 90th pct | 90th pct |
| Net charge-off ratio | 0.62% | 74th pct | 62th pct |
| Loan growth YoY | 9.52% | 97th pct | 97th pct |
| Share growth YoY | 9.74% | 97th pct | 97th pct |
| Efficiency ratio | 88.87% | 82th pct | 82th pct |
structural peer set hash: 9837175c27cf6071d52cbacfd08b08b8… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.