Skyla Federal Credit Union is a federal credit union headquartered in Charlotte, North Carolina, in business for about 64 years. At the end of Q2 2026 it reported $1.7B in total assets and $1.4B in member shares and deposits, with 9 offices.
Based on its Q2 2026 filing, Skyla Federal Credit Union scores 54/100, which we describe as below average. That is higher than only 11% of 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 45th. Its strongest component is problem-loan coverage (78/100; 10.8%), and its lowest is earnings (42/100; 0.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (58 → 54), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 55 |
| Q4 2024 | 55 |
| Q1 2025 | 58 |
| Q2 2025 | 58 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 57 |
| Q2 2026 | 54 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.28% |
| Q3 2024 | 9.46% |
| Q4 2024 | 9.33% |
| Q1 2025 | 9.18% |
| Q2 2025 | 9.30% |
| Q3 2025 | 9.55% |
| Q4 2025 | 9.56% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.61% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.98% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.32% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.06% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.17% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.42% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $1.7B | 9.61% | 1.32% | 0.56% | 93.0% |
| Q1 2026 | 57 | $1.7B | 9.50% | 0.94% | 0.50% | 92.2% |
| Q4 2025 | 58 | $1.6B | 9.56% | 0.98% | 0.63% | 94.8% |
| Q3 2025 | 60 | $1.6B | 9.55% | 0.75% | 0.56% | 95.2% |
| Q2 2025 | 58 | $1.6B | 9.30% | 0.71% | 0.42% | 95.4% |
| Q1 2025 | 58 | $1.6B | 9.18% | 0.61% | 0.34% | 94.0% |
| Q4 2024 | 55 | $1.6B | 9.33% | 0.77% | 0.17% | 94.3% |
| Q3 2024 | 55 | $1.6B | 9.46% | 0.87% | 0.15% | 94.1% |
| Q2 2024 | 54 | $1.6B | 9.28% | 0.79% | -0.06% | 92.1% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Self-Help Credit UnionCredit union Durham, NC | 64 out of 100, Moderate | $2.2B | 24.5% | 1.97% | vs |
| Marine Federal Credit UnionCredit union Jacksonville, NC | 57 out of 100, Moderate | $1.1B | 10.4% | 1.36% | vs |
| Latino Community Credit UnionCredit union Durham, NC | 64 out of 100, Moderate | $1.0B | 24.2% | 1.81% | vs |
| Self-Help Federal Credit UnionCredit union Durham, NC | 73 out of 100, Strong | $2.4B | 25.2% | 1.01% | vs |
| Allegacy Financial Federal Credit UnionCredit union Winston Salem, NC | 71 out of 100, Strong | $2.6B | 11.4% | 0.65% | vs |
| Civic Federal Credit UnionCredit union Raleigh, NC | 11 out of 100, Low | $3.1B | 5.9% | 6.27% | vs |
Deposit insurance
Is my money safe at Skyla Federal Credit Union?
Yes. Skyla Federal Credit Union is a federally insured credit union (NCUA charter #24808). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.8% of shares and deposits ($109.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
9 locations
Branches
Skyla Federal Credit Union lists 9 offices in 4 cities. Most locations:
- Charlotte, NC (6)
- Huntersville, NC (1)
- Matthews, NC (1)
- Spindale, NC (1)
HMDA 2025
Mortgage lending
In 2025, Skyla Federal Credit Union reported 1,751 home-loan applications under HMDA (LEI 549300WMQ4WI6QXK7803): 861 originated ($156,715,000 total), 633 denied, and 211 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Skyla Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24808
- RSSD ID
- 560090
- Primary regulator
- NCUA
- Established
- 1962
- Headquarters
- 3700 South Blvd, Suite 400, Charlotte, NC 28209
- Employees
- 311
Quick answers
Skyla Federal Credit Union: common questions
Is Skyla Federal Credit Union NCUA insured?
Yes. Skyla Federal Credit Union is a federally insured credit union (NCUA charter #24808). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Skyla Federal Credit Union's TellerScore?
54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Skyla Federal Credit Union have?
9 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Charlotte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cedar Hill National BankBank Charlotte, NC | 93 out of 100, Very strong | $16.0M | 67.6% | 0.00% | vs |
| Allvac Savings and Credit UnionCredit union Monroe, NC | 90 out of 100, Very strong | $9.5M | 17.6% | 0.09% | vs |
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Bank of YorkBank York, SC | 83 out of 100, Strong | $317.7M | 12.9% | 0.86% | vs |
| American Bank of the CarolinasBank Monroe, NC | 80 out of 100, Strong | $214.0M | 12.3% | 0.00% | vs |