Federal credit union · GERMANTOWN, Maryland · NCUA charter #18917
SKYPOINT
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $249.2M
- Total assets
- 13,829
- Members
- 11.8%
- Net-worth ratio
SKYPOINT scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $249.2M; members 13,829; net-worth ratio 11.83%; health rank #2,745 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,745 of 4,374 health · 2025Q4SKYPOINT · health 80/100 · $249.2M · 2025Q4
Call Report peers
SKYPOINT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SKYPOINT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SKYPOINT sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SKYPOINT: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 99.60% vs peer 72.20% (+27.40 pp).
- Largest lag: Delinquency Rate at 1.67% vs peer 0.89% (+0.78 pp).
SKYPOINT in Maryland
- In Maryland, health place is #32 of 62 on the same NCUA-ratio sort used nationally.
- Assets rank #28 of 62 inside Maryland ($249.2M reported).
- Maryland membership ordinal: #30 of 62.
- One place up in Maryland, Central Credit Union of Maryland,in (#31) ties at 80/100; one place down, Freedom of Maryland (#33) ties at 80/100.
Quarter path for SKYPOINT
SKYPOINT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $249.2M (2025Q4) to $249.8M (2026Q1).
- Net-worth ratio shifted +0.06 pp (11.77% → 11.83%).
At 11.83%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
SKYPOINT gives up 20 points in total. Delinquency Rate costs the most, 10 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 12.7 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 10.3 pts
SKYPOINT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.83% | -0.28 pp |
| Delinquency Rate | 1.67% | +0.78 pp |
| Return on Assets | 0.35% | -0.28 pp |
| Member Growth | 2.50% | - |
| Loan-to-Share Ratio | 99.60% | +27.40 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SKYPOINT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $249.8M | - |
| 2025Q4 | $249.2M | 13,829 |
| 2024Q4 | $239.1M | 13,492 |
| 2023Q4 | $214.5M | 13,485 |
Credit Union Details
- Charter Number
- 18917
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maryland
- City
- GERMANTOWN
- Data Quarter
- 2025Q4
Branch Locations (3)
SKYPOINT operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SkyPoint FCU HQ and Branch (Main Office) | Germantown, MD |
| SkyPoint FCU Rockville Branch | ROCKVILLE, MD |
| SkyPoint FCU Silver Spring Branch | Silver Spring, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maryland
A look at other Maryland credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- SKYPOINT ranks #2,745 of 4,374 nationally on financial health and #32 of 62 in MD -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Bull Dog is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Bull Dog
Frequently Asked Questions
Is SKYPOINT financially healthy?
SKYPOINT has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,745 of 4,374 nationally on health and #32 of 62 in Maryland. Its net worth ratio is 11.83% and its delinquency rate 1.67%.
How does SKYPOINT compare to other credit unions?
SKYPOINT scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (99.60% vs 72.20%). Its widest shortfall is delinquency rate (1.67% vs 0.89%).
How can I join SKYPOINT?
SKYPOINT 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 SKYPOINT directly for the exact boundaries and application steps.
Is my money safe at SKYPOINT?
SKYPOINT 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. SKYPOINT's net worth ratio of 11.83% 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.