Sep, 30, 2025 — SKY FEDERAL CREDIT UNION is a federal credit union headquartered in LIVINGSTON, MT with 6 branch locations and about $202.80 million in total assets. Opened 91 years ago in 1935, SKY FEDERAL CREDIT UNION has about 12,713 members and employs 64 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SKY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 111 N B St LIVINGSTON, MT 59047 |
| Phone: | (406) 222-1750 |
| Fax: | (406) 222-1786 |
| Website: | https://www.skyfcu.org |
| Branches: | 6 branch locations |
| Members: | 12,713 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 761 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $202,802,344 |
| CEO/Manager: | DAISY ROMO |
| Chairperson: | MaryAnn Duffey |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 7,299,137 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 75,510,993 |
| Unsecured Loans | 9,238,824 |
| Other Loans | 34,291,837 |
| TOTAL LOANS | 119,251,440 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,474,700 |
| Land And Building | 5,320,062 |
| Other Fixed Assets | 3,228,422 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,673,588 |
| All Other Assets | 332,993 |
| TOTAL ASSETS | 202,802,344 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 6,346,000 |
| Accounts Payable & Other Liabilities | 3,279,686 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 51,012,357 |
| Regular shares | 57,743,747 |
| All Other Shares & Deposits | 69,254,694 |
| TOTAL SHARES & DEPOSITS | 178,010,796 |
| TOTAL LIABILITIES | 187,643,211 |
| Regular Reserve | 0 |
| Other Reserves | 56,539 |
| Undivided Earnings | 15,102,594 |
| TOTAL EQUITY | 15,159,133 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 202,802,344 |
| INCOME & EXPENSE | |
| Loan Income | 6,385,053 |
| Investment Income | 1,203,017 |
| Other Income | 1,090,960 |
| Total Employee Compensation & Benefits | 3,804,274 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,162,010 |
| Non-operating Income & (Expense) | -77,184 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 485,856 |
| Cost of Funds | 1,712,483 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 187,926 |
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