BlastPoint's Credit Union Scorecard
SKYLINE FINANCIAL
Charter #452 · 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
|
77% |
| 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
|
74% |
| 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
|
83% |
| 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
|
76% |
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| 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
|
28% |
| 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
|
49% |
| 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
|
82% |
| 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
|
70% |
| 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
|
73% |
| 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
|
75% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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)