Federal credit union · Charlotte, North Carolina · NCUA charter #24808
SKYLA
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $1.62B
- Total assets
- 113,118
- Members
- 9.5%
- Net-worth ratio
SKYLA scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.62B; members 113,118; net-worth ratio 9.50%; health rank #1,706 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,706 of 4,374 health · 2025Q4SKYLA · health 87/100 · $1.62B · 2025Q4
Call Report peers
SKYLA in the assets neighbourhood
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SKYLA vs every NCUA-scored credit union
SKYLA sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SKYLA vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +10.92 pp (94.82% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.50% here, 11.18% peer average (-1.68 pp).
SKYLA: in-state Call Report ranks
- Health composite ranks #19 of 57 among scored North Carolina credit unions.
- North Carolina assets place: #8 of 57.
- Membership ranks #8 of 57 among North Carolina CUs with a reported count (113,118 members).
- One place up in North Carolina, Telco Community Credit Union (#18) ties at 87/100; one place down, Mcdowell Cornerstone (#20) scores 86/100, 1 point lower.
How SKYLA's 5300 filing moved
SKYLA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.0% from $1.62B (2025Q4) to $1.66B (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.56% → 9.50%).
This credit union's 9.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
SKYLA gives up 13 points in total. Return on Assets costs the most, 5.1 of its 15; Member Growth scores full marks.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 20.2 pts
- Return on Assets 9.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.1 pts
SKYLA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.50% | -1.68 pp |
| Delinquency Rate | 0.98% | +0.11 pp |
| Return on Assets | 0.16% | -0.35 pp |
| Member Growth | 9.75% | - |
| Loan-to-Share Ratio | 94.82% | +10.92 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.66B | - |
| 2025Q4 | $1.62B | 113,118 |
| 2024Q4 | $1.57B | 103,069 |
| 2023Q4 | $1.52B | 104,829 |
Credit Union Details
- Charter Number
- 24808
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Charlotte
- Data Quarter
- 2025Q4
Branch Locations (20)
The NCUA branch filing lists 20 physical offices for SKYLA, spread across 13 cities in 3 states.
| Office | City |
|---|---|
| LOSO (Main Office) | Charlotte, NC |
| Asheville | Asheville, NC |
| Sunset | Charlotte, NC |
| Ashley | Charlotte, NC |
| University | Charlotte, NC |
| Ballantyne | Charlotte, NC |
| Goodwill | Charlotte, NC |
| 900 Central Ave | Charlotte, NC |
| LOSO Branch | Charlotte, NC |
| Graham | Graham, NC |
| Greensboro | Greensboro, NC |
| Harrisburg | Harrisburg, NC |
| Huntersville | Huntersville, NC |
| Kings Mountain | Kings Mountain, NC |
| Gastonia | Lowell, NC |
| Matthews | Matthews, NC |
| Pasadena | Pasadena, CA |
| Riverwalk Branch | Rock Hill, SC |
| Salisbury | Salisbury, NC |
| Forest City | Spindale, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
SKYLA nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- SKYLA ranks #1,706 of 4,374 nationally on financial health and #19 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SELF-HELP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SELF-HELP
Frequently Asked Questions
Is SKYLA financially healthy?
SKYLA has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,706 of 4,374 nationally on health and #19 of 57 in North Carolina. Its net worth ratio is 9.50% and its delinquency rate 0.98%.
How does SKYLA compare to other credit unions?
SKYLA scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.82% vs 83.90%). Its widest shortfall is net worth ratio (9.50% vs 11.18%).
How can I join SKYLA?
SKYLA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SKYLA directly for the exact boundaries and application steps.
Is my money safe at SKYLA?
SKYLA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SKYLA's net worth ratio of 9.50% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.