BlastPoint's Credit Union Scorecard
SIKORSKY FINANCIAL
Charter #68453 · CT
SIKORSKY FINANCIAL has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 10.7% in tier
- + Relationship Depth Leader: Top 32.8% in tier
- + Wallet Share Momentum: Top 32.8% in tier
- + Organic Growth Engine: Top 59.4% in tier
- + Organic Growth Leader: Top 59.4% in tier
- + ROA 0.61% above tier average
- + Members Per Employee (MPE): Top 5.7% in tier
- + Total Delinquency Rate (60+ days): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.8% in tier
- - Credit Risk Growth: Bottom 49.5% in tier
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Fee Income Per Member: Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Connecticut.
- Shares and deposits +6.8% year over year ($1.25B in shares and deposits).
- Membership: 67,705 members, +1.3% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.43%.
- Efficiency ratio 60.57% vs a 73.02% peer average.
- Loan-to-share ratio 82.62% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,705
+1.3% YoY+1.0% QoQ
|
-29.2K |
96,861
-1.9% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$1.5B
+7.5% YoY+1.1% QoQ
|
$-271.3M |
$1.7B
+0.4% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$1.0B
+5.9% YoY+1.5% QoQ
|
$-199.1M |
$1.2B
+0.7% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$1.3B
+6.8% YoY+0.7% QoQ
|
$-210.4M |
$1.5B
+0.5% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.4%
+16.4% YoY+5.7% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Top 9.7% in tier |
| NIM |
3.2%
+3.4% YoY+2.3% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
60.6%
-6.3% YoY-1.6% QoQ
|
-12.4% |
73.0%
-2.7% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
Top 11.0% in tier |
| Delinquency Rate |
0.3%
+111.0% YoY+132.9% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 6.3% in tier |
| Loan To Share |
82.6%
-0.8% YoY+0.8% QoQ
|
-2.1% |
84.7%
+0.1% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$33,796
+5.1% YoY+0.0% QoQ
|
+$4K |
$29,575
+1.5% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
27.9%
+7.7% YoY-0.4% QoQ
|
-1.2% | 29.1% | 14.9% | 20.0% | 46% |
| Indirect Auto % |
2.2%
-27.7% YoY-8.8% QoQ
|
-15.9% | 18.1% | 4.3% | 7.7% | 20% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)