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 (4.1 on a scale of 0 to 10). A current level of 20.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 7.5. Weak liquidity 2.8, driven by a liquidity ratio of 12.4 percent and a “hot money” ratio of 15.0 percent.
Asset Mix:
Securities (26%), home mtgs (18%), consumer loans (17%), comm loans (17%), other (22%)
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
Missoula, MT
Billings, MT
Billings, MT
Helena, MT