Federal credit union · Waterbury, Connecticut · NCUA charter #452
Skyline Financial
Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $45.9M
- Total assets
- 4,120
- Members
- 5.1%
- Net-worth ratio
Skyline Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #452 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Skyline Financial - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)43
- Asset quality (delinquency)83
- Earnings (ROA)86
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.13% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.13% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 0.36% | 15% |
| Member Growth | 11.38% | 15% |
| Loan-to-Share Ratio | 84.95% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Skyline Financial
Charter #452, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Skyline Financial, a federal credit union in Waterbury, Connecticut with 4,120 members, $45.9M in total assets, and $34.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 76/100 (Very Good), helped by a net worth ratio of 5.13% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.93% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 84.95% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.36% on net income of $165K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 11.38%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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–$50M92Health
- ENFIELD COMMUNITYENFIELD, CT · $10M–$50M78Health
- MEMBERSStamford, CT · $10M–$50M86Health
- MANCHESTER MUNICIPALMANCHESTER, CT · $10M–$50M91Health
- LAWRENCE MEMORIAL HOSPITAL EMPLOYEENew London, CT · $10M–$50M87Health
Compare Skyline Financial vs POLICE CREDIT UNION OF CONNECTICUT
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Skyline Financial financially healthy?
A 5.13% net worth ratio and a 0.93% delinquency rate feed into Skyline Financial's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Skyline Financial compare to other credit unions?
On PlainCU's health composite, Skyline Financial lands at 76/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Skyline Financial are 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 5.13% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Skyline Financial offer compared to banks?
Credit unions like Skyline Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Skyline Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.