Side-by-side · Q2 2026 data
Self-Help 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 | Self-Help Federal Credit Union | Skyla Federal Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 66 (stronger) | 56 |
| Earnings | 35 | 42 (stronger) |
| Funding & liquidity | 70 (stronger) | 67 |
| Problem-loan coverage | 94 (stronger) | 78 |
| Peer percentile | 70th | 11th |
| Total assets | $2.4B | $1.7B |
| Deposits / shares | $1.8B | $1.4B |
| Capital ratio | 25.18% (stronger) | 9.61% |
| Problem loans | 1.01% (stronger) | 1.32% |
| Net charge-offs | 0.17% (stronger) | 0.79% |
| Return on assets | 0.37% | 0.56% (stronger) |
| Loans ÷ deposits | 90.7% (stronger) | 93.0% |
| Uninsured deposits | 10.9% | 7.8% (stronger) |
| Offices | 17 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.4% | 41.1% |
Self-Help Federal Credit Union has the higher TellerScore (73 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Self-Help Federal Credit Union leads on 5 and Skyla Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.