Sky
Livingston, MT · Charter 761 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$197.3MAssets
$126.1MLoans
$177.1MShares
$15.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets (rank 340 of 1683).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1641 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.30%
Rank 1,308 of 1,683
Net Interest Margin
4.48%
Rank 340 of 1,683
Efficiency Ratio
88.61%
Rank 1,329 of 1,682
Equity / Assets
7.72%
Rank 1,641 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.30% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,308 / 1,683 | |
| Return on Equity | 3.93% | 2.67% | 5.89% | 8.74% | Beats 34% | 1,104 / 1,681 | |
| Net Interest Margin | 4.48% | 3.31% | 3.82% | 4.32% | Beats 80% | 340 / 1,683 | |
| Efficiency Ratio | 88.61% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,329 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,143 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.72% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,641 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.72% | 10.44% | 12.89% | 16.53% | Beats 2% | 1,641 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 71.19% | 52.61% | 69.38% | 83.50% | 53rd pctl | 785 / 1,683 | |
| Loans / Assets | 63.89% | 44.71% | 59.18% | 70.72% | 60th pctl | 667 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |