Side-by-side · Q2 2026 data
Civic Federal Credit Union vs Skyla Federal Credit Union
Credit union
Skyla Federal Credit Union
Charlotte, North Carolina · $1 billion – $10 billion
Metric by metric
| Measure | Civic Federal Credit Union | Skyla Federal Credit Union |
|---|---|---|
| TellerScore | 11 | 54 (stronger) |
| Capital cushion | 9 | 46 (stronger) |
| Loan quality | 0 | 56 (stronger) |
| Earnings | 0 | 42 (stronger) |
| Funding & liquidity | 53 | 67 (stronger) |
| Problem-loan coverage | 0 | 78 (stronger) |
| Peer percentile | 0th | 11th |
| Total assets | $3.1B | $1.7B |
| Deposits / shares | $2.6B | $1.4B |
| Capital ratio | 5.87% | 9.61% (stronger) |
| Problem loans | 6.27% | 1.32% (stronger) |
| Net charge-offs | 2.61% | 0.79% (stronger) |
| Return on assets | -3.07% | 0.56% (stronger) |
| Loans ÷ deposits | 106.9% | 93.0% (stronger) |
| Uninsured deposits | 9.0% | 7.8% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 41.1% |
Skyla Federal Credit Union has the higher TellerScore (54 vs 11). On the 7 directional measures above (where higher or lower is clearly better), Civic Federal Credit Union leads on 0 and Skyla Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.