Federal credit union · Waterbury, Connecticut · NCUA charter #452
Skyline Financial
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $45.9M
- Total assets
- 4,120
- Members
- 7.2%
- Net-worth ratio
Skyline Financial scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $45.9M; members 4,120; net-worth ratio 7.17%; health rank #1,872 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,872 of 4,374 health · 2025Q4Skyline Financial · health 86/100 · $45.9M · 2025Q4
Call Report peers
Skyline Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Skyline Financial vs every NCUA-scored credit union
Skyline Financial sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Skyline Financial
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +25.15 pp (84.95% vs 59.80%).
- Net Worth Ratio trails the peer set - 7.17% here, 14.86% peer average (-7.69 pp).
Skyline Financial: in-state Call Report ranks
- Health composite ranks #24 of 64 among scored Connecticut credit unions.
- Connecticut assets place: #32 of 64.
- Member book place in Connecticut: #28 of 64.
- One place up in Connecticut, New Haven County (#23) ties at 86/100; one place down, Connecticut Labor Dept (#25) scores 84/100, 2 points lower.
How Skyline Financial's 5300 filing moved
Skyline Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $45.9M (2025Q4) to $45.9M (2026Q1).
- Net-worth ratio shifted +0.14 pp (7.03% → 7.17%).
This credit union's 7.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Skyline Financial gives up 14 points in total. Net Worth Ratio costs the most, 7.1 of its 30; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 22.9 pts
- Delinquency Rate 20.7 pts
- Return on Assets 12.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.17% | -7.69 pp |
| Delinquency Rate | 0.93% | -0.21 pp |
| Return on Assets | 0.36% | -0.35 pp |
| Member Growth | 11.38% | - |
| Loan-to-Share Ratio | 84.95% | +25.15 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Skyline Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.9M | - |
| 2025Q4 | $45.9M | 4,120 |
| 2024Q4 | $38.3M | 3,699 |
| 2023Q4 | $38.7M | 4,029 |
Credit Union Details
- Charter Number
- 452
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Waterbury
- Data Quarter
- 2025Q4
Branch Location
Skyline Financial operates a single office in Waterbury, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Waterbury, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group and asset size.
- POLICE CREDIT UNION OF CONNECTICUTHartford, CT · $10M–$50M95Health
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M80Health
- MEMBERSStamford, CT · $10M–$50M89Health
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M90Health
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
Compare Skyline Financial vs POLICE CREDIT UNION OF CONNECTICUT
Skyline Financial nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Skyline Financial ranks #1,872 of 4,374 nationally on financial health and #24 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Police Credit Union of Connecticut is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Police Credit Union of Connecticut
Frequently Asked Questions
Is Skyline Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Skyline Financial scores 86/100 (Excellent), with a 7.17% net worth ratio and 0.93% of loans delinquent. It ranks #1,872 of 4,374 nationally on health and #24 of 64 in Connecticut.
How does Skyline Financial compare to other credit unions?
Skyline Financial scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.95% vs 59.80%). Its widest shortfall is net worth ratio (7.17% vs 14.86%).
How can I join Skyline Financial?
Skyline Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Skyline Financial directly for the exact boundaries and application steps.
Is my money safe at Skyline Financial?
Skyline Financial is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Skyline Financial's net worth ratio of 7.17% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.