PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sky

Livingston, MT · Charter 761

NCUA · 6 branches

Q2 2026

$197.3MAssets
$126.1MLoans
$177.1MShares
$15.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.30%, down 1 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 1.02% of loans (+43 bps YoY).
  • Capital: net worth / assets of 7.72%, down 11 bps from a year ago.
  • Funding: loans stand at 71.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+56 bps YoY

Efficiency Ratio (YTD, annualized)

88.59%-272 bps YoY

Net Worth / Assets

7.72%-11 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.12%0.01%0.70%0.30%-1 bps
Return on Equity3.98%1.66%0.10%8.74%3.92%-5 bps
Net Interest Margin3.92%3.86%4.01%4.61%4.48%+56 bps
Efficiency Ratio91.31%91.18%91.34%82.74%88.59%-272 bps
Growth
Asset Growth (YoY)0.46%4.32%2.24%0.00%1.35%+89 bps
Loan Growth (YoY)4.25%3.34%-0.18%0.90%3.91%-34 bps
Share Growth (YoY)4.58%3.23%-2.73%0.53%0.81%-377 bps
Asset Quality
Delinquent Loans / Loans0.60%2.54%0.84%0.79%1.02%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.83%7.46%7.48%8.02%7.72%-11 bps
Net Worth / Assets7.83%7.46%7.48%8.02%7.72%-11 bps
Liquidity & Funding
Loans / Shares69.07%66.99%69.72%70.30%71.19%+212 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps