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
Call Report peers
SKY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SKY sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Montana, The Family First (#29) ties at 83/100; one place down, Russell Country (#31) ties at 83/100.
How SKY's 5300 filing moved
SKY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.6% from $199.7M (2025Q4) to $190.4M (2026Q1).
- Net-worth ratio shifted +0.54 pp (7.48% → 8.02%).
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
SKY gives up 17 points in total. Member Growth costs the most, 5.8 of its 15; Loan-to-Share Ratio loses the least, 0.1.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SKY financially healthy?
SKY has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,357 of 4,374 nationally on health and #30 of 41 in Montana. Its net worth ratio is 8.02% and its delinquency rate 0.84%.
How does SKY compare to other credit unions?
SKY scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.84% vs 0.89%). Its widest shortfall is net worth ratio (8.02% vs 12.11%).
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?
SKY is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.