Federal credit union · Livingston, Montana · NCUA charter #761
SKY
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $199.7M
- Total assets
- 12,666
- Members
- 8.0%
- Net-worth ratio
SKY scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $199.7M; members 12,666; net-worth ratio 8.02%; health rank #2,357 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,357 of 4,374 health · 2025Q4SKY · health 83/100 · $199.7M · 2025Q4
- PHOTO 83/100
- BOOK 8.0%
- CHARTER 0.84%
- NCUSIF 0.31%
- CAMELS $199.7M
- HEALTH 12,666
- NW #2,357/4,374
- DELQ Spirit of Alaska
- ROA 761
Call Report peers
SKY in the assets neighbourhood
SKY's $199.7M assets sit next to Spirit of Alaska ($199.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SKY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SKY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #761, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for SKY
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.05 pp (0.84% vs 0.89%).
- Net Worth Ratio trails the peer set - 8.02% here, 12.11% peer average (-4.09 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where SKY sits in Montana
- In Montana, health place is #30 of 41 on the same NCUA-ratio sort used nationally.
- Assets rank #12 of 41 inside Montana ($199.7M reported).
- Member book place in Montana: #11 of 41.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How SKY's 5300 filing moved
SKY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.6% from $199.7M (2025Q4) to $190.4M (2026Q1).
- Net-worth ratio shifted +0.54 pp (7.48% → 8.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 25.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 12.2 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.0 pts
SKY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.02% | -4.09 pp |
| Delinquency Rate | 0.84% | -0.05 pp |
| Return on Assets | 0.31% | -0.31 pp |
| Member Growth | 0.13% | - |
| Loan-to-Share Ratio | 69.72% | -2.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
SKY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $190.4M | - |
| 2025Q4 | $199.7M | 12,666 |
| 2024Q4 | $195.3M | 12,649 |
| 2023Q4 | $195.6M | 12,325 |
Credit Union Details
- Charter Number
- 761
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Livingston
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for SKY, spread across 5 cities.
| Office | City |
|---|---|
| Sky Federal Credit Union (Main Office) | Livingston, MT |
| Sky Federal Credit Union | Belgrade, MT |
| Sky Federal Credit Union | Big TImber, MT |
| Sky Federal Credit Union | Bozeman, MT |
| Sky Federal Credit Union | Bozeman, MT |
| Sky Federal Credit Union | Ennis, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
Other federally-insured credit unions in Montana, closest first by peer group and asset size.
SKY nationwide neighbourhoods
Two NCUA Call Report peer sets for SKY, both outside Montana so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($199.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- SKY ranks #2,357 of 4,374 nationally on financial health and #30 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest Montana Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest Montana Community
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SKY financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - SKY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,357 of 4,374; by total assets it ranks #1,280 of 4,374 nationally (same basis as /rankings/largest); and #12 of 41 within Montana. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.02% net worth ratio and 0.84% delinquency rate are the key drivers.
How does SKY compare to other credit unions?
On PlainCU's health composite, SKY lands at 83/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SKY?
SKY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SKY directly for the exact boundaries and application steps.
Is my money safe at SKY?
Federal credit unions like SKY are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SKY's net worth ratio of 8.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SKY offer compared to banks?
Credit unions like SKY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SKY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.