TellerScore

Skyline Financial Federal Credit Union is a federal credit union headquartered in Waterbury, Connecticut, in business for about 91 years. At the end of Q2 2026 it reported $48.3M in total assets and $44.2M in member shares and deposits, with 1 office.

Skyline Financial Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 59th. Problem-loan coverage contributes the most (80/100, 9.8%); capital cushion contributes the least (20/100, 6.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion20/100
Net worth ratio: 6.99%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings45/100
Return on assets (annualized): 0.62%
Funding & liquidity68/100
Loans ÷ shares: 92.2% · 0.0% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.77%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 3 points (54 → 51), mostly because the funding & liquidity component weakened by 27 points.

TellerScore
465360Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202455
Q4 202460
Q1 202555
Q2 202554
Q3 202546
Q4 202550
Q1 202646
Q2 202651
Net worth ratio
6.99%7.39%7.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.53%
Q3 20247.62%
Q4 20247.79%
Q1 20257.78%
Q2 20257.37%
Q3 20257.04%
Q4 20257.03%
Q1 20267.17%
Q2 20266.99%
Delinquent loans (60+ days)
0.43%0.95%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.83%
Q3 20240.62%
Q4 20240.43%
Q1 20250.76%
Q2 20250.78%
Q3 20251.38%
Q4 20250.93%
Q1 20261.48%
Q2 20260.81%
Return on assets
0.07%0.36%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.07%
Q4 20240.43%
Q1 20250.22%
Q2 20250.17%
Q3 20250.30%
Q4 20250.40%
Q1 20260.65%
Q2 20260.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$48.3M6.99%0.81%0.62%92.2%
Q1 202646$45.9M7.17%1.48%0.65%87.9%
Q4 202550$45.9M7.03%0.93%0.40%84.9%
Q3 202546$44.6M7.04%1.38%0.30%76.7%
Q2 202554$40.9M7.37%0.78%0.17%65.4%
Q1 202555$38.6M7.78%0.76%0.22%70.1%
Q4 202460$38.3M7.79%0.43%0.43%72.2%
Q3 202455$38.4M7.62%0.62%0.07%71.3%
Q2 202453$38.1M7.53%0.83%0.11%66.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio6.99%
2nd
Problem loans0.81%
46th
Net charge-offs0.00%
68th
Return on assets0.62%
49th
Loans to deposits92.2%
7th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio9.8%
14th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Enfield Community Federal Credit UnionCredit union Enfield, CT72 out of 100, Strong$45.8M9.4%0.28%vs
Police Credit Union of ConnecticutCredit union Hartford, CT69 out of 100, Moderate$45.4M10.7%1.47%vs
Members Credit UnionCredit union Stamford, CT67 out of 100, Moderate$44.2M12.1%0.78%vs
Manchester Municipal Federal Credit UnionCredit union Manchester, CT62 out of 100, Moderate$40.1M9.2%0.99%vs
Northwest Hills Credit UnionCredit union Torrington, CT75 out of 100, Strong$57.0M9.3%0.26%vs
Pitney Bowes Employees Federal Credit UnionCredit union Shelton, CT76 out of 100, Strong$57.3M20.3%1.20%vs

Deposit insurance

Is my money safe at Skyline Financial Federal Credit Union?

Yes. Skyline Financial Federal Credit Union is a federally insured credit union (NCUA charter #452). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 6.99%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Skyline Financial Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Skyline Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
452
RSSD ID
921776
Primary regulator
NCUA
Established
1935
Headquarters
3528 E Main St, Waterbury, CT 06705
Employees
9

Quick answers

Skyline Financial Federal Credit Union: common questions

Is Skyline Financial Federal Credit Union NCUA insured?

Yes. Skyline Financial Federal Credit Union is a federally insured credit union (NCUA charter #452). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Skyline Financial Federal Credit Union's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Skyline Financial Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waterbury

InstitutionScoreAssetsCapitalProblem loansCompare
Waterbury Connecticut Teachers Federal Credit UnionCredit union Waterbury, CT91 out of 100, Very strong$365.2M17.1%0.26%vs
State Police Credit Union Inc.Credit union Meriden, CT91 out of 100, Very strong$84.0M15.1%0.06%vs
New Haven Teachers Federal Credit UnionCredit union New Haven, CT90 out of 100, Very strong$10.2M32.0%0.13%vs
New Haven Firefighters Credit UnionCredit union New Haven, CT89 out of 100, Very strong$5.9M26.3%0.00%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
Sikorsky Financial Credit UnionCredit union Stratford, CT84 out of 100, Strong$1.5B12.9%0.25%vs