Side-by-side · Q2 2026 data
Skyla Federal Credit Union vs Members Credit Union
Credit union
Skyla Federal Credit Union
Charlotte, North Carolina · $1 billion – $10 billion
Credit union
Members Credit Union
Winston Salem, North Carolina · $100 million – $1 billion
Metric by metric
| Measure | Skyla Federal Credit Union | Members Credit Union |
|---|---|---|
| TellerScore | 54 | 85 (stronger) |
| Capital cushion | 46 | 98 (stronger) |
| Loan quality | 56 | 73 (stronger) |
| Earnings | 42 | 62 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 11th | 87th |
| Total assets | $1.7B | $477.1M |
| Deposits / shares | $1.4B | $404.2M |
| Capital ratio | 9.61% | 14.83% (stronger) |
| Problem loans | 1.32% | 0.82% (stronger) |
| Net charge-offs | 0.79% (stronger) | 1.39% |
| Return on assets | 0.56% | 1.06% (stronger) |
| Loans ÷ deposits | 93.0% | 46.5% (stronger) |
| Uninsured deposits | 7.8% | 3.3% (stronger) |
| Offices | 9 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 41.1% | — |
Members Credit Union has the higher TellerScore (85 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Skyla Federal Credit Union leads on 1 and Members Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.