Skyline Financial
Waterbury, CT · Charter 452 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$48.3MAssets
$40.7MLoans
$44.2MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 89% of credit unions under $1B in assets (rank 185 of 1683).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1665 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.62%
Rank 981 of 1,683
Net Interest Margin
4.85%
Rank 185 of 1,683
Efficiency Ratio
87.83%
Rank 1,301 of 1,682
Equity / Assets
6.99%
Rank 1,665 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 981 / 1,683 | |
| Return on Equity | 8.94% | 2.67% | 5.89% | 8.74% | Beats 76% | 397 / 1,681 | |
| Net Interest Margin | 4.85% | 3.31% | 3.82% | 4.32% | Beats 89% | 185 / 1,683 | |
| Efficiency Ratio | 87.83% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,301 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.26% | 0.65% | 1.29% | Beats 43% | 966 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 6.99% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,665 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 6.99% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,665 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 92.21% | 52.61% | 69.38% | 83.50% | 90th pctl | 167 / 1,683 | |
| Loans / Assets | 84.28% | 44.71% | 59.18% | 70.72% | 97th pctl | 55 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |