SIKORSKY FINANCIAL

Charter #68453 | CT

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in CT

SIKORSKY FINANCIAL has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 8.9% in tier
  • + Organic Growth Engine: Top 12.7% in tier
  • + Wallet Share Momentum: Top 14.5% in tier
  • + Relationship Depth Leader: Top 22.8% in tier
  • + Organic Growth Leader: Top 30.9% in tier
  • + ROA 0.60% above tier average
  • + Total Delinquency Rate (60+ days): Top 4.3% in tier
  • + Members Per Employee (MPE): Top 4.3% in tier
  • + Net Charge-Off Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 16.9% in tier
  • - Liquidity Overhang: Bottom 22.7% in tier
  • - Credit Quality Pressure: Bottom 22.9% in tier
  • - First Mortgage Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 67,405
+1.3% YoY+0.8% QoQ
 -31.3K 98,678
-1.9% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 Bottom 22.0% in tier
Assets $1.3B
+5.0% YoY-0.9% QoQ
 $-379.0M $1.7B
+0.5% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $1.0B
+10.1% YoY+5.0% QoQ
 $-207.1M $1.2B
+0.5% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $1.2B
+4.2% YoY-1.3% QoQ
 $-295.8M $1.5B
+1.3% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 38th in tier
ROA 1.3%
+34.1% YoY+6.3% QoQ
 +0.6% 0.7%
+13.4% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 Top 9.2% in tier
NIM 3.2%
+13.4% YoY+2.5% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 43rd in tier
Efficiency Ratio 63.6%
-9.9% YoY-1.6% QoQ
 -10.4% 74.0%
-10.9% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 Bottom 13.8% in tier
Delinquency Rate 0.2%
+24.9% YoY+54.2% QoQ
 -0.6 0.8%
+6.1% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 Bottom 4.3% in tier
Loan To Share 88.6%
+5.6% YoY+6.4% QoQ
 +3.4% 85.2%
-0.8% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $32,409
+5.5% YoY+0.7% QoQ
 +$3K $29,172
+2.8% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 Top 25.0% in tier
CD Concentration 26.8%
+3.6% YoY+3.7% QoQ
 -2.1% 29.0%
+0.8% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 42nd in tier
Indirect Auto % 2.7%
-24.6% YoY-10.2% QoQ
 -16.1% 18.8%
-2.8% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 Bottom 21.4% in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#48 of 184 • Top 8.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.31%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.27%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Organic Growth Engine

growth
#93 of 246 • Top 12.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.31%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 2.70%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#106 of 264 • Top 14.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.53%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#166 of 264 • Top 22.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.53%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Organic Growth Leader

growth
#122 of 138 • Top 30.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.27%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#95 of 161 • Bottom 16.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.06%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Liquidity Overhang

risk
#74 of 113 • Bottom 22.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.74%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.56%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Credit Quality Pressure

risk
#176 of 217 • Bottom 22.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (10 metrics)

14
Total Delinquency Rate (60+ days)
risk
Value: 0.18%
Peer Avg: 0.83%
#14 of 304 Top 4.3% in 1B-3B tier
14
Members Per Employee (MPE)
engagement
Value: 514.542
Peer Avg: 364.953
#14 of 304 Top 4.3% in 1B-3B tier
27
Net Charge-Off Rate
risk
Value: 0.14%
Peer Avg: 0.60%
#27 of 304 Top 8.6% in 1B-3B tier
28
Return on Assets (ROA)
profitability
Value: 1.31%
Peer Avg: 0.70%
#28 of 304 Top 8.9% in 1B-3B tier
43
Efficiency Ratio
profitability
Value: 63.56%
Peer Avg: 73.97%
#43 of 304 Top 13.8% in 1B-3B tier
62
Loan Growth Rate
growth
Value: 10.06%
Peer Avg: 5.27%
#62 of 304 Top 20.1% in 1B-3B tier
68
Net Worth Ratio
risk
Value: 12.74%
Peer Avg: 11.44%
#68 of 304 Top 22.0% in 1B-3B tier
72
Indirect Auto Concentration (%)
balance_sheet
Value: 2.70%
Peer Avg: 18.32%
#72 of 304 Top 23.4% in 1B-3B tier
76
Average Member Relationship (AMR)
engagement
Value: $32,409
Peer Avg: $29,172
#76 of 304 Top 24.7% in 1B-3B tier
76
Loan-to-Member Ratio (LMR)
engagement
Value: $15,221
Peer Avg: $13,213
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

282
First Mortgage Concentration (%)
balance_sheet
Value: 57.43%
Peer Avg: 34.01%
#282 of 304 Bottom 7.6% in 1B-3B tier
255
Fee Income Per Member
profitability
Value: $143.43
Peer Avg: $210.52
#255 of 304 Bottom 16.4% in 1B-3B tier
237
Total Members
engagement
Value: 67,405
Peer Avg: 98,678
#237 of 304 Bottom 22.4% in 1B-3B tier