Sky Federal Credit Union
Total assets
$190.4M
▲ +0.0% YoY
Shares & deposits
$172.2M
▲ +0.5% YoY
Loans
$121.1M
▲ +0.9% YoY
Members
12,746
▲ +0.6% YoY
ROA (annualized)
0.70%
peers 0.69%
ROE (annualized)
8.74%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | 0.0% | +3.9% | -3.9 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.0 pts |
| ROA | 0.70% | 0.69% | +0.0 pts |
| ROE | 8.7% | 5.9% | +2.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 1690, Livingston, MT, 59047
- NCUA charter #
- 761
- RSSD ID
- 133476
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| 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% | 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 (Q1 2026): real estate $57.4M · commercial $24.2M · consumer $34.0M · securities $51.5M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Sky Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.62% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 78.7% | 64th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- Montana Federal Credit UnionGreat Falls, MT · $358.9M
- Park Side Financial Credit UnionWhitefish, MT · $389.1M
- Rocky Mountain Credit UnionHelena, MT · $424.3M
- Massmutual Federal Credit UnionSpringfield, MA · $350.0M
- United Financial Credit UnionSaginaw, MI · $350.3M
- Pioneer Mutual Federal Credit UnionSugar Land, TX · $351.1M
Selling to Sky Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.