Skyward Credit Union
Wichita, KS·Charter 63300·cu:63300·Credit union RBC / net worth
- #10 of 62Total assets in Kansas
- 22Kmembers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Skyward Credit Union
8 of 24 FORFI signals stand out against 569 similar credit unions, based on NCUA data for the quarter.
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter26.2%peers 0.0%+26.2 pp
Skyward Credit Union's borrowings as a share of assets rose 20.7 percentage points over the past year to 26.2%. Among 563 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 26.2% | 0.0% | +26.2 pp |
| 12-month change | ||
| +20.7 pp | 0.0 pp | +20.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital 2nd quarter9.94%peers 11.04%-1.1 pp
Skyward Credit Union's net worth ratio fell 2.7 percentage points over the past year to 9.94%. Among 563 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 9.94% | 11.04% | -1.1 pp |
| 12-month change | ||
| -2.7 pp | +0.3 pp | -2.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+24.2%peers +4.5%+19.7 pp
Skyward Credit Union's total assets grew 24.2% over the past year to $467 million. The median among 563 similar credit unions was +4.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +24.2% | +4.5% | +19.7 pp |
| Total assets | ||
| $467 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile. How signals work
Delinquent loans falling while the peer median risesStrength: Asset quality0.86%peers 0.65%+21 bps
Skyward Credit Union's loans 60+ days delinquent as a share of loans fell 58 bps over the past year to 0.86%. Among 563 similar credit unions, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Loans 60+ days delinquent as a share of loans | ||
| 0.86% | 0.65% | +21 bps |
| 12-month change | ||
| -58 bps | +1 bps | -59 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile. How signals work
Member business lending shrinking while the peer median growsNotable: Lending-23.6%peers +8.0%-31.7 pp
Skyward Credit Union's member business loans declined 23.6% over the past year to $7.0 million. The median among 470 similar credit unions was +8.0%.
| This institution | Peer median | Difference |
|---|---|---|
| Member business loans, 12-month growth | ||
| -23.6% | +8.0% | -31.7 pp |
| Member business loans | ||
| $7.0 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile. How signals work
3 more observations
- Share and deposit costs falling faster than peersFunding
- Reliance on share certificates falling while the peer median risesFunding
- Shares and deposits shrinking while the peer median growsFunding
Key facts
- Skyward Credit Union is a state-chartered credit union headquartered in Wichita, Kansas. It reported $467 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $317 million, down 4.2% from a year earlier, and loans totaled $224 million, up 0.1%.
- Its net interest margin on average assets was 2.85% and its annualized return on assets was 0.23% for the quarter.
- Its cost of all shares and deposits was 1.48%, compared with a median of 1.45% among 566 similar credit unions with $300 million to $1 billion in assets.
- It served 21,997 members, up 1.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Skyward Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Skyward Credit Union · Credit union
- NCUA charter
- 63300
- Reporting period
- Peer group
- 569 credit unions with $300 million to $1 billion in assets that filed NCUA data for the same quarter. Skyward Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $271.38K | |
| $5.68M | |
| $2.34M | |
| $3.34M | |
| $1.09M | |
| $3.74M | |
| $419.05K | |
| $419.05K | |
| 0.23% | |
| 2.85% | |
| 84.42% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.