Sky Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.3 has resulted in Fair (3.7) profitability.
Other Rating Factors:
A current level of 7.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 7.7.
Asset Mix:
Securities (23%), consumer loans (20%), home mtgs (19%), comm loans (18%), other (20%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
111 North B Street
Livingston, MT 59047
Livingston, MT 59047
Phone Number
(406) 222-1750
NCUA Charter Number
Website
Largest Competitors
Whitefish, MT
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