Sky Federal Credit Union is headquartered in Livingston and is the 11th largest credit union in the state of Montana. It is also the 1,309th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 63 employees and 12,675 members at 6 locations. Sky Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Sky Federal Credit Union is open to those who live, work, or worship in the Montana counties of Beaverhead, Broadwater, Carbon, Cascade, Deer Lodge, Gallatin, Golden Valley, Granite, Jefferson, Lake, Lewis and Clark, Madison, Meagher, Mineral, Missoula, Park, Powell, Ravalli, Silver Bow, Stillwater, Sweet Grass, Wheatland or Yellowstone; or the Idaho counties of Bonneville, Fremont, Jefferson, or Madison; or Park County, Wyoming.
See current membership details
Fraudulent/Unfair Banking Ethics
If you've ever dreamt of getting screwed over in every way possible by a bank, this is your bank. Never open a debit account here!!! They steal money from their patrons by using a shady transactional method of withdrawing your debit transaction, putting it back in your account, withdrawing it out again, and putting it back in again, multiple times on almost all of your debit card withdrawal transactions. A method that quite literally no other bank uses, except them. They then will keep charging you $35 fees because they can't keep stable/honest track of your transactions in the first place. After my experience with them, I will be submitting complaints and alerts to all consumer protection bureaus and agencies that investigate fraudulent and unfair banking activity. Please run as far away as possible from these bankers, and get yourself hooked up with an honest and reliable FDIC bank.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 761 |
| Year Chartered | 1935 |
| Employees | 63 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.21% |
| Return on Equity - YTD | 2.69% |
| Annual Interest Income | $2.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $190.4MM$200.4MM |
| Loans | Q1 2025vs Q1 2024 | $120MM$115.4MM |
| Deposits | Q1 2025vs Q1 2024 | $171.3MM$170.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $15.1MM$14.7MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $1.5MM$1.4MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $720K$448K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |