SKYLINE FINANCIAL
Charter #452 · Waterbury, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.17% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 4.76% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.01% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 94th percentile but its structural peers at the 39th — a 55-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SKYLINE FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.88M | 94th pct | 39th pct |
| Members | 4,157 | 92th pct | 44th pct |
| Net worth ratio | 7.17% | 2th pct | 10th pct |
| Return on average assets | 0.65% | 50th pct | 64th pct |
| Net interest margin | 4.76% | 86th pct | 82th pct |
| Cost of funds | 1.10% | 62th pct | 38th pct |
| Loan-to-share | 87.89% | 93th pct | 72th pct |
| Delinquency 60+ days | 1.48% | 78th pct | 70th pct |
| Net charge-off ratio | 0.01% | 38th pct | 15th pct |
| Loan growth YoY | 18.01% | 100th pct | 98th pct |
| Share growth YoY | 2.96% | 55th pct | 54th pct |
| Efficiency ratio | 86.65% | 65th pct | 56th pct |
structural peer set hash: c316434d7fe6f9684d6ac417bb99df48… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.