BlastPoint's Credit Union Scorecard

SKYLINE FINANCIAL

Charter #452 · CT

<100M
2508 CUs in <100M nationally 43 in CT

SKYLINE FINANCIAL has 8 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.50% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Strong member growth: 12.6% YoY
  • + Loan Growth Rate: Top 0.8% in tier
  • + Deposit Growth Rate: Top 1.6% in tier
  • + Asset Growth Rate: Top 1.7% in tier
  • + Member Growth Rate: Top 2.8% in tier
  • + AMR Growth Rate: Top 3.4% in tier

Key Concerns

Areas that may need attention

  • - Net Worth Ratio: Bottom 2.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 4,157
+12.6% YoY+0.9% QoQ
+1.5K 2,676
+1.6% YoY
14,157
+8.2% YoY
33,913
+5.7% YoY
80%
Assets $45.9M
+18.9% YoY+0.0% QoQ
+$15.7M $30.2M
+1.3% YoY
$246.5M
+13.9% YoY
$578.3M
+9.0% YoY
74%
Loans $37.1M
+50.9% YoY+7.2% QoQ
+$21.8M $15.3M
-2.0% YoY
$136.3M
+13.4% YoY
$402.4M
+8.7% YoY
Top 12.0% in tier
Deposits $42.2M
+20.4% YoY+3.6% QoQ
+$16.5M $25.8M
+0.7% YoY
$217.1M
+13.8% YoY
$494.3M
+9.1% YoY
77%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
+200.0% YoY+60.8% QoQ
+0.5% 0.1%
-77.6% YoY
0.6%
+218.7% YoY
0.4%
-39.2% YoY
52%
NIM 4.8%
+14.8% YoY+23.3% QoQ
+0.8% 4.0%
+4.0% YoY
3.6%
+1.6% YoY
3.8%
+4.1% YoY
84%
Efficiency Ratio 86.7%
-9.3% YoY-5.6% QoQ
-4.0% 90.6%
+6.5% YoY
83.6%
-6.8% YoY
84.6%
+2.8% YoY
62%
Delinquency Rate 1.5%
+95.4% YoY+58.5% QoQ
+0.0 1.5%
+3.8% YoY
2.5%
+122.5% YoY
1.2%
+3.4% YoY
74%
Loan To Share 87.9%
+25.3% YoY+3.5% QoQ
+29.4% 58.5%
-3.0% YoY
52.8%
-1.3% YoY
65.6%
-1.4% YoY
Top 9.7% in tier
AMR $19,094
+18.1% YoY+4.3% QoQ
+$4K $14,884
-1.7% YoY
$17,581
+5.9% YoY
$19,920
+1.6% YoY
74%
CD Concentration 15.2%
+3.3% YoY-26.4% QoQ
-9.1% 24.3% 14.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 4.5% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2508 peers in tier

Top Strengths (13 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
21
Loan Growth Rate
growth
Value: 50.89%
Peer Median: -2.36%
#21 of 2508 Top 0.8% in <100M tier
41
Deposit Growth Rate
growth
Value: 20.39%
Peer Median: 0.66%
#41 of 2508 Top 1.6% in <100M tier
43
Asset Growth Rate
growth
Value: 18.93%
Peer Median: 1.30%
#43 of 2508 Top 1.7% in <100M tier
70
Member Growth Rate
growth
Value: 12.63%
Peer Median: -1.37%
#70 of 2508 Top 2.8% in <100M tier
86
AMR Growth Rate
growth
Value: 18.06%
Peer Median: 1.27%
#86 of 2508 Top 3.4% in <100M tier
242
Loan-to-Share Ratio
balance_sheet
Value: 87.89%
Peer Median: 58.72%
#242 of 2508 Top 9.6% in <100M tier
300
Loan-to-Member Ratio (LMR)
engagement
Value: $8,931
Peer Median: $4,923
#300 of 2508 Top 11.9% in <100M tier
301
Total Loans
balance_sheet
Value: $37.13M
Peer Median: $9.48M
#301 of 2508 Top 12.0% in <100M tier
404
Net Interest Margin (NIM)
profitability
Value: 4.76%
Peer Median: 3.83%
#404 of 2508 Top 16.1% in <100M tier

Top Weaknesses (2 metrics)

2447
Net Worth Ratio
risk
Value: 7.17%
Peer Median: 14.28%
#2447 of 2508 Bottom 2.5% in <100M tier
2200
First Mortgage Concentration (%)
balance_sheet
Value: 42.15%
Peer Median: 3.66%
#2200 of 2508 Bottom 12.3% in <100M tier
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