PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Skyline Financial

Waterbury, CT · Charter 452

NCUA · 1 branch

Q2 2026

$48.3MAssets
$40.7MLoans
$44.2MShares
$3.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.62%, up 45 bps year over year; NIM at 4.85%.
  • Asset quality: problem loans at 0.81% of loans (+3 bps YoY).
  • Capital: net worth / assets of 6.99%, down 38 bps from a year ago.
  • Funding: loans stand at 92.21% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.62%+45 bps YoY

Net Interest Margin (quarter, annualized)

4.85%+93 bps YoY

Efficiency Ratio (quarter, annualized)

87.84%-880 bps YoY

Net Worth / Assets

6.99%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.17%0.30%0.40%0.65%0.62%+45 bps
Return on Equity2.30%4.21%5.68%9.08%8.93%+663 bps
Net Interest Margin3.92%3.71%3.81%4.76%4.85%+93 bps
Efficiency Ratio96.64%93.60%91.81%86.65%87.84%-880 bps
Growth
Asset Growth (YoY)7.22%16.12%19.83%18.93%18.18%+1,096 bps
Loan Growth (YoY)6.27%29.04%39.03%50.89%66.52%+6,025 bps
Share Growth (YoY)7.84%20.00%18.20%20.39%18.18%+1,034 bps
Asset Quality
Delinquent Loans / Loans0.78%1.38%0.93%1.48%0.81%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.37%7.04%7.03%7.17%6.99%-38 bps
Net Worth / Assets7.37%7.04%7.03%7.17%6.99%-38 bps
Liquidity & Funding
Loans / Shares65.44%76.68%84.95%87.89%92.21%+2,677 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps