| Metric | Skyline Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.1% | +1.3% | -2.4 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.7 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.0M | $12.7M | $7.0M | $4.0M | $42K | 0.99% | 3.74% | 2.98% | 1,605 |
| Q4 2025 | $16.9M | $12.6M | $7.2M | $4.0M | $190K | 1.12% | 4.16% | 3.00% | 1,620 |
| Q3 2025 | $17.4M | $13.1M | $7.3M | $3.9M | $136K | 1.04% | 3.99% | 2.31% | 1,626 |
| Q2 2025 | $17.2M | $13.0M | $7.3M | $3.9M | $82K | 0.95% | 3.95% | 3.47% | 1,626 |
| Q1 2025 | $17.2M | $13.1M | $7.6M | $3.8M | $31K | 0.72% | 3.88% | 1.74% | 1,650 |
| Q4 2024 | $17.0M | $12.8M | $7.8M | $3.8M | $167K | 0.99% | 3.69% | 2.21% | 1,662 |
| Q3 2024 | $17.2M | $13.4M | $8.0M | $3.7M | $125K | 0.97% | 3.54% | 1.07% | 1,672 |
| Q2 2024 | $17.1M | $13.4M | $8.0M | $3.7M | $76K | 0.89% | 3.38% | 1.15% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,680 |
Loan mix (Q1 2026): real estate $657K · commercial $0 · consumer $5.6M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 81.5% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Skyline Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Davidson, TN, ranked 50th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Davidson, TN | 1 | $13.0M* | 0.02% | 50th |
Tennessee: 265th with 0.00% · Nashville-Davidson--Murfreesboro--Franklin metro: 85th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1