TellerScore

Sky Federal Credit Union is a federal credit union headquartered in Livingston, Montana, in business for about 91 years. At the end of Q2 2026 it reported $197.3M in total assets and $177.1M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Sky Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 38th. Its strongest component is funding & liquidity (89/100; 71% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (27/100; 7.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.72%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.02%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity89/100
Loans ÷ shares: 71.2% · 3.6% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (57 → 53), mostly because the loan quality component weakened by 14 points.

TellerScore
364859Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202459
Q4 202458
Q1 202556
Q2 202557
Q3 202536
Q4 202552
Q1 202659
Q2 202653
Net worth ratio
7.00%7.51%8.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.63%
Q3 20247.67%
Q4 20247.65%
Q1 20257.90%
Q2 20257.83%
Q3 20257.46%
Q4 20257.48%
Q1 20268.02%
Q2 20267.72%
Delinquent loans (60+ days)
0.42%1.48%2.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.44%
Q4 20240.42%
Q1 20250.60%
Q2 20250.60%
Q3 20252.54%
Q4 20250.84%
Q1 20260.79%
Q2 20261.02%
Return on assets
0.01%0.35%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.39%
Q4 20240.32%
Q1 20250.21%
Q2 20250.31%
Q3 20250.12%
Q4 20250.01%
Q1 20260.70%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$197.3M7.72%1.02%0.30%71.2%
Q1 202659$190.4M8.02%0.79%0.70%70.3%
Q4 202552$199.7M7.48%0.84%0.01%69.7%
Q3 202536$202.8M7.46%2.54%0.12%67.0%
Q2 202557$194.7M7.83%0.60%0.31%69.1%
Q1 202556$190.4M7.90%0.60%0.21%70.1%
Q4 202458$195.3M7.65%0.42%0.32%67.9%
Q3 202459$194.4M7.67%0.44%0.39%66.9%
Q2 202456$193.8M7.63%0.71%0.47%69.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.72%
2nd
Problem loans1.02%
29th
Net charge-offs0.34%
53rd
Return on assets0.30%
17th
Loans to deposits71.2%
59th
Uninsured deposits3.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio8.6%
18th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT55 out of 100, Moderate$203.3M11.6%1.85%vs
Lincoln County Credit UnionCredit union Libby, MT98 out of 100, Very strong$186.6M21.6%0.22%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%vs
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs

Deposit insurance

Is my money safe at Sky Federal Credit Union?

Yes. Sky Federal Credit Union is a federally insured credit union (NCUA charter #761). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.6% of shares and deposits ($6.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.72%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Sky Federal Credit Union lists 5 offices in 5 cities. Most locations:

  • Belgrade, MT (1)
  • Big TImber, MT (1)
  • Bozeman, MT (1)
  • Ennis, MT (1)
  • Livingston, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Sky Federal Credit Union
Type
Federal credit union
NCUA charter #
761
RSSD ID
133476
Primary regulator
NCUA
Established
1935
Headquarters
PO Box 1690, Livingston, MT 59047
Employees
70

Quick answers

Sky Federal Credit Union: common questions

Is Sky Federal Credit Union NCUA insured?

Yes. Sky Federal Credit Union is a federally insured credit union (NCUA charter #761). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Sky Federal Credit Union's TellerScore?

53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Sky Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Livingston

InstitutionScoreAssetsCapitalProblem loansCompare
American BankBank Bozeman, MT79 out of 100, Strong$630.4M11.1%0.00%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs
Intrepid Credit UnionCredit union Helena, MT71 out of 100, Strong$310.8M11.1%0.44%vs
Valley Financial Credit UnionCredit union Billings, MT71 out of 100, Strong$600.9M10.7%0.25%vs
Bank of The RockiesBank Helena, MT68 out of 100, Moderate$277.4M9.4%1.06%vs