SKYLINE FINANCIAL
Charter #452 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
SKYLINE FINANCIAL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 12.21% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,837
+1.3% YoY+2.8% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Top 23.0% in tier |
| Assets |
$44.6M
+16.1% YoY+9.1% QoQ
|
+$14.8M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$31.5M
+29.0% YoY+28.6% QoQ
|
+$15.7M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Top 16.6% in tier |
| Deposits |
$41.0M
+20.0% YoY+9.8% QoQ
|
+$15.6M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Top 23.8% in tier |
| ROA |
0.3%
+311.2% YoY+76.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
28th in tier |
| NIM |
3.9%
+36.2% YoY-3.9% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
49th in tier |
| Efficiency Ratio |
93.6%
-0.7% YoY-3.1% QoQ
|
+12.2% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 18.1% in tier |
| Delinquency Rate |
1.4%
+121.7% YoY+75.8% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
70th in tier |
| Loan To Share |
76.7%
+7.5% YoY+17.2% QoQ
|
+15.5% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
73rd in tier |
| AMR |
$18,893
+22.2% YoY+14.0% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Top 25.0% in tier |
| CD Concentration |
23.5%
+133.8% YoY+19.4% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
35
Loan Growth Rate
growth
Value:
29.04%
Peer Avg: 59.01%
#35 of 2596
Top 1.3% in <100M tier
49
AMR Growth Rate
growth
Value:
22.18%
Peer Avg: 4.67%
#49 of 2596
Top 1.8% in <100M tier
55
Deposit Growth Rate
growth
Value:
20.00%
Peer Avg: 16.80%
#55 of 2596
Top 2.1% in <100M tier
71
Asset Growth Rate
growth
Value:
16.12%
Peer Avg: 1.82%
#71 of 2596
Top 2.7% in <100M tier
430
Total Loans
balance_sheet
Value:
$31.46M
Peer Avg: $15.77M
#430 of 2596
Top 16.5% in <100M tier
433
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,200
Peer Avg: $5,488
#433 of 2596
Top 16.6% in <100M tier
442
Members Per Employee (MPE)
engagement
Value:
479.625
Peer Avg: 365.701
#442 of 2596
Top 17.0% in <100M tier
555
Member Growth Rate
growth
Value:
1.29%
Peer Avg: 14.92%
#555 of 2596
Top 21.3% in <100M tier
597
Total Members
engagement
Value:
3,837
Peer Avg: 2,626
#597 of 2596
Top 23.0% in <100M tier
Top Weaknesses (3 metrics)
2552
Net Worth Ratio
risk
Value:
7.04%
Peer Avg: 16.43%
#2552 of 2596
Bottom 1.7% in <100M tier
2218
First Mortgage Concentration (%)
balance_sheet
Value:
37.06%
Peer Avg: 14.49%
#2218 of 2596
Bottom 14.6% in <100M tier
2127
Efficiency Ratio
profitability
Value:
93.60%
Peer Avg: 81.39%
#2127 of 2596
Bottom 18.1% in <100M tier