| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.1% | -2.8 pts |
| Share growth (YoY) | +0.8% | +3.5% | -2.7 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.30% | 0.74% | -0.4 pts |
| ROE | 3.9% | 6.5% | -2.6 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.3M | $177.1M | $126.1M | $15.2M | $299K | 0.30% | 4.48% | 1.02% | 12,930 |
| Q1 2026 | $190.4M | $172.2M | $121.1M | $15.3M | $334K | 0.70% | 4.61% | 0.79% | 12,746 |
| Q4 2025 | $199.7M | $172.1M | $120.0M | $14.9M | $15K | 0.01% | 4.01% | 0.84% | 12,666 |
| Q3 2025 | $202.8M | $178.0M | $119.3M | $15.1M | $188K | 0.12% | 3.86% | 2.54% | 12,713 |
| Q2 2025 | $194.7M | $175.6M | $121.3M | $15.2M | $303K | 0.31% | 3.92% | 0.60% | 12,779 |
| Q1 2025 | $190.4M | $171.3M | $120.0M | $15.0M | $101K | 0.21% | 3.89% | 0.60% | 12,675 |
| Q4 2024 | $195.3M | $176.9M | $120.2M | $14.9M | $628K | 0.32% | 3.52% | 0.42% | 12,649 |
| Q3 2024 | $194.4M | $172.4M | $115.4M | $14.9M | $571K | 0.39% | 3.45% |
| Ratio | Sky Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.74% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 6.5% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.44% |
| 12,528 |
| Q2 2024 | $193.8M | $167.9M | $116.4M | $14.8M | $453K | 0.47% | 3.39% | 0.71% | 12,417 |
Loan mix (Q2 2026): real estate $57.6M · commercial $24.4M · consumer $38.6M · securities $53.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 77.5% | 85th |
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 | Sky Federal 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 | Sky Federal 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 | Sky Federal 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 | Sky Federal 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 | Sky Federal 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.
6 branches in 4 counties across 1 state (+0 vs 2025). Biggest market: Gallatin, MT, ranked 12th with 1.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Gallatin, MT | 3 | $88.5M* | 1.50% | 12th |
| Madison, MT | 1 | $29.5M* | 7.97% | 5th |
| Park, MT | 1 | $29.5M* | 4.78% | 6th |
| 1 more county with Pro → | ||||
Montana: 38th with 0.38% · Bozeman metro: 12th, 1.50% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 5 · 2024 6 · 2025 6 · 2026 6