BlastPoint's Credit Union Scorecard

SIKORSKY FINANCIAL

Charter #68453 · CT

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in CT

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SIKORSKY FINANCIAL has 11 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 12.7% in tier
+ Credit Quality Leader: Top 19.2% in tier
+ Organic Growth Leader: Top 30.9% in tier
+ Profitability Leader: Top 39.4% in tier
+ Relationship Depth Leader: Top 45.5% in tier
+ Emerging Performer: Top 64.8% in tier
+ Wallet Share Momentum: Top 91.3% 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

- Credit Risk Growth: Bottom 16.9% 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	22%
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	33%
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	41%
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	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	43%
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	51%
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	75%
CD Concentration	26.8% +3.6% YoY+3.7% QoQ	-2.1%	29.0% +0.7% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	42%
Indirect Auto %	2.7% -24.6% YoY-10.2% QoQ	-16.1%	18.8% -3.0% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	21%

Signature Analysis

Strengths (7)

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: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Credit Quality Leader

growth

#19 of 95 • Top 19.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.18%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY

Organic Growth Leader

growth

#122 of 138 • Top 30.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.27%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 2.70%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Profitability Leader

growth

#38 of 95 • Top 39.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.31%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.33% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Relationship Depth Leader

growth

#31 of 67 • Top 45.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Emerging Performer

growth

#47 of 72 • Top 64.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

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

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#106 of 116 • Top 91.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.53%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

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

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (10 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 514.542

Peer Avg: -

#14 of 304 Top 4.3% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#27 of 304 Top 8.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Avg: -

#28 of 304 Top 8.9% in 1B-3B tier

Efficiency Ratio

profitability

Value: 63.56%

Peer Avg: -

#43 of 304 Top 13.8% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.06%

Peer Avg: -

#62 of 304 Top 20.1% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.74%

Peer Avg: -

#68 of 304 Top 22.0% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.70%

Peer Avg: -

#72 of 304 Top 23.4% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $32,409

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,221

Peer Avg: -

#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: -

#282 of 304 Bottom 7.6% in 1B-3B tier

255

Fee Income Per Member

profitability

Value: $143.43

Peer Avg: -

#255 of 304 Bottom 16.4% in 1B-3B tier

237

Total Members

engagement

Value: 67,405

Peer Avg: -

#237 of 304 Bottom 22.4% in 1B-3B tier