BlastPoint's Credit Union Scorecard
SIKORSKY FINANCIAL
Charter #68453 · CT
SIKORSKY FINANCIAL has 10 strengths but faces 3 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
- + Organic Growth Engine: Top 29.3% in tier
- + Relationship Depth Leader: Top 42.2% in tier
- + Emerging Performer: Top 52.6% in tier
- + Organic Growth Leader: Top 85.8% in tier
- + Wallet Share Momentum: Top 87.7% in tier
- + ROA 0.77% above tier average
- + Members Per Employee (MPE): Top 5.3% in tier
- + Total Delinquency Rate (60+ days): Top 5.6% in tier
- + Efficiency Ratio: Top 8.9% in tier
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 60.1% in tier
- - Credit Quality Pressure: Bottom 72.4% in tier
- - First Mortgage Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
67,819
+1.5% YoY+0.6% QoQ
|
-29.6K |
97,431
-2.4% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$1.4B
+7.3% YoY+4.5% QoQ
|
$-322.4M |
$1.7B
+0.9% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$1.0B
+8.1% YoY-0.4% QoQ
|
$-212.8M |
$1.2B
+0.5% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$1.2B
+6.4% YoY+4.5% QoQ
|
$-248.8M |
$1.5B
+0.9% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.5%
+48.0% YoY+11.3% QoQ
|
+0.8% |
0.7%
+20.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 6.0% in tier |
| NIM |
3.2%
+10.9% YoY-0.9% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
62.1%
-11.6% YoY-2.3% QoQ
|
-11.9% |
74.1%
-9.5% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.9% in tier |
| Delinquency Rate |
0.2%
+52.2% YoY+10.6% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.6% in tier |
| Loan To Share |
84.4%
+1.6% YoY-4.7% QoQ
|
-0.4% |
84.8%
-0.8% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$32,913
+5.6% YoY+1.6% QoQ
|
+$3K |
$29,428
+2.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
28.7%
+9.0% YoY+6.7% QoQ
|
-0.4% | 29.0% | 14.6% | 19.8% | 51% |
| Indirect Auto % |
2.6%
-23.8% YoY-5.1% QoQ
|
-15.7% | 18.3% | 4.6% | 7.8% | 21% |
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 (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)