Sky Credit Union

P.O. Box 1690
Livingston, MT 59047
(800) 445-3328
www.skyfcu.org

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Sky Credit Union is headquartered in Livingston and is the 13^st largest credit union in the state of Montana. It is also the 1,611^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 39 employees and 8,022 members. Sky Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Sky Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	High Yield Checking Account

Sky Credit Union Savings Account Rates

Apy	Min	Max	Product
1.50%	$6k	-	Borrow Savings Account
1.50%	$100k	-	Roth IRA Fastrak Account
1.50%	$6k	-	Save Savings Account
1.01%	-	-	HSA Checking Account
1.00%	$25	-	Wealth Builder Savings
1.00%	$2,500	$20k	Sky High Wealth Builder Plus
0.85%	$100k	-	IRA Share Account
0.85%	$100k	-	Coverdell ESA Share Account
0.03%	-	-	Second Share Account
0.03%	-	-	Christmas Club Account
0.03%	-	-	Strategic Savers Account
0.03%	$25	-	Regular Share Account
0.03%	$25	-	Cubby Regular Share Account
0.03%	$25	-	FYI Regular Share Account

Sky Credit Union Money Market Rates

Apy	Min	Max	Product
0.50%	$250k	-	Sky High Money Market Account
0.25%	$150k	-	Premier Money Market Account
0.15%	$50k	-	Money Market Account

Sky Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	1 Year Wealth Builder CD
1.75%	$500	-	57 Month CD Special
1.50%	$50k	-	60 Month CD
1.25%	$50k	-	48 Month CD
1.25%	$500	-	37 Month CD Special
1.00%	$50k	-	36 Month CD
0.75%	$50k	-	24 Month CD
0.75%	$500	-	17 Month CD Special
0.45%	$500	-	7 Month CD Special
0.35%	$10k	-	18 Month CD
0.30%	$25k	-	6 Month CD
0.30%	$25k	-	1 Year CD
0.25%	$100	-	1 Year Cubby Certificate
0.25%	$100	-	1 Year FYI Certificate
0.15%	$25k	-	3 Month CD

Sky Credit Union IRA Rates

Apy	Min	Max	Product
1.80%	$500	-	5 Year Fixed IRA Certificate
1.80%	$500	-	5 Year Fixed SEP IRA Certificate
1.80%	$500	-	5 Year Fixed CESA Certificate
1.80%	$500	-	5 Year Fixed Roth IRA Certificate
1.75%	$500	-	57 Month IRA Special
1.75%	$500	-	57 Month Roth IRA Special
1.75%	$500	-	57 Month CESA Special
1.50%	$500	-	4 Year Fixed IRA Certificate
1.50%	$500	-	4 Year Fixed SEP IRA Certificate
1.50%	$500	-	4 Year Fixed CESA Certificate
1.50%	$500	-	4 Year Fixed Roth IRA Certificate
1.25%	$500	-	37 Month IRA Special
1.25%	$500	-	37 Month Roth IRA Special
1.25%	$500	-	37 Month CESA Special
1.20%	$500	-	3 Year Fixed IRA Certificate
1.20%	$500	-	3 Year Fixed SEP IRA Certificate
1.20%	$500	-	3 Year Fixed CESA Certificate
1.20%	$500	-	3 Year Fixed Roth IRA Certificate
0.90%	$500	-	2 Year Fixed IRA Certificate
0.90%	$500	-	2 Year Fixed SEP IRA Certificate
0.90%	$500	-	2 Year Fixed CESA Certificate
0.90%	$500	-	2 Year Fixed Roth IRA Certificate
0.75%	$500	-	17 Month IRA Special
0.75%	$500	-	17 Month Roth IRA Special
0.75%	$500	-	17 Month CESA Special
0.50%	$500	-	1 Year Variable IRA Certificate
0.50%	$500	-	1 Year Fixed IRA Certificate
0.50%	$500	-	1 Year Fixed SEP IRA Certificate
0.50%	$500	-	1 Year Fixed CESA Certificate
0.50%	$500	-	1 Year Fixed Roth IRA Certificate
0.50%	$500	-	1 Year Variable Roth IRA Certificate
0.45%	$500	-	7 Month IRA Special
0.45%	$500	-	7 Month Roth IRA Special
0.45%	$500	-	7 Month CESA Special

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

SKY
NCUA #	761
BankRate Report	View
Year Chartered	1935
Employees	39
Primary Regulator
Assets and Liabilities
Assets	$83.10 million
Loans	$61.26 million
Deposits	$75.16 million
Equity Capital	$7.41 million
Loan Loss Allowance	$617,000
Unbacked Noncurrent Loans	$361,000
Real Estate Owned	$2.95 million
Historic Data - December 2010
Assets	$85.52 million
Equity Capital	$7.31 million
Loan Loss Allowance	$173,000
Unbacked Noncurrent Loans	$1.77 million
Real Estate Owned	$2.18 million
Profit Margin - Quarterly
Net Interest Margin	5.87%
Return on Assets	0.74%
Return on Equity	8.27%
Interest Income	$4.42 million
Non-Interest Income	$858,000

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Sky Credit Union had $3.31 million in non-current loans and owned real-estate with $8.03 million in equity and loan loss allowances on hand to cover it. This gives Sky Credit Union a Texas Ratio of 41.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Sky Credit Union decreased slightly from 52.80% as of December 31, 2010 to 41.21% as of December 31, 2011, resulting in a positive change of 21.95%.This indicates that the balance sheet and financial strength for Sky Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Sky Credit Union has decreased its total deposits by -$2.59 million, resulting in -3.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sky Credit Union has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sky Credit Union has $83.1 million in assets with $8.03 million in equity, resulting in a capitalization level of 9.66%, which is average.

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