# SIKORSKY FINANCIAL
Stratford, CT · NCUA charter 68453 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/sikorsky-financial-68453

Who the members are: state charter, organized 1948. 67,020 members of 2,720,322 potential (2.5% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.44B |
| Members | 67,020 (1.3% YoY) |
| Full-time staff | 132 |
| Net worth | $182.4M |
| Net worth ratio | 12.7% (p79 of band) |
| ROA (annualized) | 1.35% (p88 of band) |
| Total delinquency | 0.11% (p3 of band) |
| Net charge-offs (annualized) | 0.14% (p10 of band) |
| Loans / shares | 82% (p37 of band) |
| Cash / assets | 13.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.17% (p41 of band) |
| Operating expense / assets | 2.30% (p12 of band) |
| Vehicles % of loans | 14% (p20 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 13% (p16 of band) |
| Vehicle delinquency | 0.24% (p14 of band) |
| Vehicle NCO | 0.15% (p3 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 39% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 28% |
| Average share balance | $8,911 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $55,166 |
| Loans granted, annualized | $218.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-08-18 [CT regulators approve credit union merger - Hartford Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNHZja0ZscVFuR3R1ZmFQZVBsdUxHR2hGU2MzaEJqekdsTUNYVWk4dWoteEYzbEF2dmx5c0xJSHVBUVBKVlhJZW5xU2VOTi1QN0NYWUF2Zk5ZbEhzWEZvZk50OWt1cDFvT2pXM2dURmdubFF3eXJJNkxDZk1vaTJ1NVZLRWd1dw?oc=5) · Hartford Business Journal
- 2022-11-23 [Sikorsky Financial Credit Union seeks to acquire Bridgeport City Employees Federal Credit Union - ctinsider.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOUVFKSDNmb0w2aDJoMVppSkc4V1lfUEpvd3ZZM3lvS05kYVY2d1g2OTN4d05raXVMUzRPSHo0d3dNNjQ4V1RyQklpWE9HbGZKUmJJS1BkSjlKbVF4VU93aGZTZXdhVnE5cm5vcWgzMGhKUHdUbWhNSm8xMUdsdlpzb1ZlQkQwYmV4eWlMWWpFclgxWDZxcGMwOHFNNnY2YVE?oc=5) · ctinsider.com
- 2026-07-16 [Sacred Heart University and Sikorsky Credit Union announce multi-year naming rights agreement - CUInsight](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQnRfNWlaeENsZUVzRVU1bEFIMk10VV9QbGxVbUlWdEkzdmg0dnFMZXdiVjFoTWRSVGxWaEs5SGF1d2todUxqcHVuSDBzV29WQk1QQkZfNHBGMGNUWkhqd1VxUDdjNmotUk9wZjR3Uld0SlFBR2lFYjZWREpFclZpWUJEdWx6TkRJOTVWZmhZYjNrVDhjYmZaWXlxdWNuQTliZEpNdlJyQURhTnc1UVNRNDVNLUNMbHJNOFVRal9VM2d1WTdmOUo2Sl84R1h2YzA?oc=5) · CUInsight
- 2013-04-02 [Shelton resident named Sikorsky Financial Credit Union president - ctpost.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQYUZaSXdoMEx6enVNNjN3SUIzX0lYLThuckFtbm5DcVhtSzNSQjhvS1VkMFNXUWhRQzQxMVBfUWlTWEFhOWRKaG5od2tMZWRxZmV4bWtJNVRXZGNRLWx6UGZLYUgyNm5ydUlXNEN4NDhrUlNhSW0xa1VaeUtCSHJSMTR2TzJRMGhwUVR5clk2ZkFtc1FiLVJTazhJczZ0d1dLUm5hMmcxT0NkUQ?oc=5) · ctpost.com
- 2026-06-14 [Obituary for Betty J. Balisciano at Spinelli - Ricciuti Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE10X3ZSeVZGM1VYdTktSGVRV29oUHR0X0E5Zm5KejI5c1h4cm9TUm9BQWsxSVZGR3lkMFJPTTEyTS1sUDZuam9PREY1RFZIY2MzTWFjaWczSG9lb09nVFFRN3RIb3VoeHNZSGhQQQ?oc=5) · Ricciuti Funeral Home
- 2020-12-31 [‘More important this year than ever’: Virtual 5K raises $37K for Milford homeless shelter - New Haven Register](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdzdld3U5YldZTjEtQ0xwSlF0dkxiTGZoWXpYX0F4NXkwcVNacVBrWTJpVF9JdGFBS0x6bHNNRlNBYmtHRTlNWnd5anJxSG1IQWRoVjJLQ05qUVVpRjZEd2hOR09aVUo0UWswdU5ucEcyUWxNNm5zVW1Mc2xfOTBnV2JKODdJS2FGWjlsUnVPY0ZKbVR0cGtfVmRaMA?oc=5) · New Haven Register
- 2014-08-12 [Robert Simon Obituary (2014) - Trumbull, CT - Connecticut Post - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNc1FqQzNMSjJrcU9DTjNjbFJ3aTQ5dXVBTDY4RFdxbFpPYXNhUzJoZWpWcFoxTTRYbmMyc3VpY2RIU1RVUWN3SXoxd3VpbzRyYzJJR2w5Z3dvY0tWeWQwZk44QVVMRlU1WUlmOUZjMHgtZjFma1lvZkRIRy1NeWVNcDMwRnRWTUlCZEE?oc=5) · legacy.com
- 2009-10-14 [Milford cops obtain warrant for alleged bank robber - New Haven Register](https://news.google.com/rss/articles/CBMingFBVV95cUxQR0t3TzJtRVZjdHRLY1J5T0tCN2dkVkFQN2FvSmI3QWdsRW1ZMWNDdEQ5ZE5lblBld3FWRjE3UHE4SzFYa2J6bVlZYlpIYmZ3QVB0MGxmTXh3MXFSeVpqM01wWDYwT0xyYjBCWU1VWGVneFZOWmthbkxranZ6cmo3dVByVUhGNXVIbW1faHQ2YXVyYWt2UFc3RE00b0Q0dw?oc=5) · New Haven Register

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68453 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "68453", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68453
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide