BlastPoint's Credit Union Scorecard
SKYLINE FINANCIAL
Charter #452 · CT
SKYLINE FINANCIAL has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 11.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 2.4% in tier
- + Member Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 9.25% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,120
+11.4% YoY+7.4% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$45.9M
+19.8% YoY+2.8% QoQ
|
+$15.7M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$34.6M
+39.0% YoY+10.1% QoQ
|
+$18.9M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.4% in tier |
| Deposits |
$40.8M
+18.2% YoY-0.6% QoQ
|
+$15.1M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.4%
-5.6% YoY+31.0% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
3.9%
+2.3% YoY-0.4% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
91.8%
+3.2% YoY-1.9% QoQ
|
+9.2% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.9%
+118.8% YoY-32.3% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
84.9%
+17.6% YoY+10.8% QoQ
|
+24.3% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
85% |
| AMR |
$18,299
+14.0% YoY-3.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
20.7%
+73.8% YoY-11.8% QoQ
|
-3.7% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)