# SKYLA
Charlotte, NC · NCUA charter 24808 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/skyla-24808

Who the members are: federal charter, multiple common bond, organized 1962, low-income designated. 112,990 members of 3,157,890 potential (3.6% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.66B |
| Members | 112,990 (9.3% YoY) |
| Full-time staff | 310 |
| Net worth | $157.3M |
| Net worth ratio | 9.5% (p22 of band) |
| ROA (annualized) | 0.50% (p30 of band) |
| Total delinquency | 0.94% (p78 of band) |
| Net charge-offs (annualized) | 0.75% (p73 of band) |
| Loans / shares | 92% (p70 of band) |
| Cash / assets | 11.7% |
| Borrowings / assets | 3.93% |
| Net interest margin | 3.51% (p63 of band) |
| Operating expense / assets | 4.52% (p96 of band) |
| Vehicles % of loans | 20% (p34 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 1.00% (p78 of band) |
| Vehicle NCO | 0.94% (p48 of band) |
| Repossessed % of vehicle book | 0.01% (p26 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 179% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 28% |
| Average share balance | $6,351 |
| Participations bought / yr | $0 |
| Participations sold / yr | $11.4M |
| Participations outstanding | $32.9M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,541 |
| Loans granted, annualized | $308.6M |

## Participation posture (from the same filings)

Bought $0 and sold $11.4M in the latest annualized quarter; $32.9M outstanding purchased (20.9% of net worth), $3.2M sold and retained. Sold in 6 and bought in 4 of the last 8 quarters. Shares 2.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, leaning on borrowings |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 2 | net worth falling | expense trap, loans>95% of shares |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | loans>95% of shares |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | net worth falling, expense trap | loans>95% of shares |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | loans>95% of shares | net worth falling |
| 2018-12 | 1 |  | expense trap, loans>95% of shares |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | loans>95% of shares |  |
| 2019-12 | 1 |  | loans>95% of shares |
| 2020-03 | 3 | net worth falling, margin squeeze |  |
| 2020-06 | 4 | thin capital |  |
| 2020-09 | 2 |  | net worth falling, thin capital |
| 2020-12 | 3 | thin capital |  |
| 2021-03 | 3 | net worth falling | margin squeeze |
| 2021-06 | 1 | expense trap | leaning on borrowings, thin capital, net worth falling |
| 2021-09 | 0 |  | expense trap |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | expense trap |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | thin capital, net worth falling |  |
| 2024-06 | 2 | losing money | expense trap, thin capital, net worth falling |
| 2024-09 | 1 |  | losing money |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, expense trap |  |
| 2025-06 | 2 | loans>95% of shares | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | loans>95% of shares |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-11 [Yellowcard rocks the stage at Skyla Credit Union Amphitheatre - WSOC TV](https://news.google.com/rss/articles/CBMigAFBVV95cUxQTnNmMFVvSzBMN2FHQ1FsbERBMloxUVp4bG9wLVpjeXV4alBXRENIZ3JvMzdoR2JrNlcwb1FiMjlsQXVDbU1SSG1DUU1sekVyc3hnbmdXTDY2cGo3bEdPM3YwUzFMaTQyQ3BrazQzb1BTVWhnYTBZcUFqc1A5U1h4Rg?oc=5) · WSOC TV
- 2026-04-17 [Bush, Mammoth Rock Skyla to Open the Season - Queen City Nerve](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1URkx1dF84enJEOUU5X244OUowSkljMloxczNSc0ZQc05OQXhoZ3prNlREelRSM1FYLUpzeHpoOVRQcjRkM2NBTHhXWmxWVWI4WFp5OGtXRHNEZw?oc=5) · Queen City Nerve
- 2026-07-20 [Carolina was anything but sad as Dexter and the Moonrocks ignited Skyla Credit Union Amphitheatre - MELODIC Magazine](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPdG55UEl6dS10U1lLMVVvZXBlLWZMVWdlWUVjS3JaemJHYXNlcklaek85LThZdndXSktlbjAtM2JscUwtM25aLXVUbDhJeDR1dW9Gcmg3SnF6Ml81NmpBZWt0akl3UXBXS1pScHk5dEdVVDc1ZUt0RkxVUzBwMEZwMTJXNjR4X2wwOEdEdXBFT0RNNmdkaGtPd3MwWFJmaC1HcjJJblVLejJ0VG95WVc4NkZLYkhQR1FRVkVGaVZtSmFYNTc1ZVo4dUJsTkFvcUYzN1cxdHJaa3FhR1Jsamc?oc=5) · MELODIC Magazine
- 2026-08-25 [Violinist Stirling bringing holiday tour to region - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUnA1ZzU4MVYyNGFzQTNtY2JwQWZUMnpUTzdyMU1ub2Vjejh2ZENpRFB3el9oWDkyMlRza1dmVzltRGF4Yms4MmNXLXJOMUYxMDlUY1dlbFlINGEtRllTWUhZNzJCWWVkVDA4cUhjdXVYNHk0TFJLRmZmbXd0dmJyVHRzb3JPTk5RQVVVbkpsSzZtU3BvT29zN2RzR0RiYS1Yb29wUWsxdEI?oc=5) · Jacksonville Journal-Courier
- 2026-06-06 [Yungblud rocks sold-out Skyla Credit Union Amphitheatre - WSOC TV](https://news.google.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?oc=5) · WSOC TV
- 2025-12-01 [Development plan filed at former credit union HQ in Plaza Midwood - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPR0pkSEJMTWw4MTBYdXJYVXRuQW5JQ3MxSHJOY1JPMFozOFNiUHl5OVNfNkstZTZyZVltbjN4UFN1UVA5Q0ZzMFp0Z3pDb3RXUE1uWUgwbS1KUjEwS19Salo1a09lUW5SalQ5aTVTdDBVd1FUNlVGV1RfakpFcGwyNUtwQTEwbE5XMkZPelZnMVMzdzJjSUlYd2JfTjJ4S3RYMWVtblJxQzdEdw?oc=5) · The Business Journals
- 2026-05-31 [Concerts to attend this week around Charlotte - WCCB Charlotte](https://news.google.com/rss/articles/CBMilAFBVV95cUxPM1hwRlVJc0FxX2tYbGpMVDlSWkIwcUx1RnpBNTl3UEdnWF95UHlIWGQxSWt5a3BYQ3BCZE9uY1M5VkR6MzNxaVNwaE9SVTFvTXFZUmFnbFVINS0ydWlGR21iZkZlRGpFSnZtSWJYWmFpRFRUMnczYmZ1b0hsYjdQMTMxODhzcXVrTVRlZ1o2NzdjNnZ0?oc=5) · WCCB Charlotte
- 2026-03-07 [Charley Crockett tickets on sale in Charlotte at Skyla Amphitheatre - TicketNews](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbUlQNGdzRGtCcXg3Y3VMRzlLbEx1dExYNXU0Q1E1ZXpHaVQyMUZFTW1JSWE5QzBEQzJTWXJib3A3WVVnaE16dU9xdC1HZ1E3TGpzT1EwNzRjVmFYeEpYdi1oeHJhY2tpeExxbl9tTmQ0X05jVzlDV01LTld1X0gxeTNNWENBT3dWT05aVThzT2EzVlpHcE81aWdvOVVZWVpzbVpGM1JR?oc=5) · TicketNews

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24808 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "24808", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24808
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide