SKY
Charter #761 · Livingston, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.02% sits at the 15th percentile of structural peers — worth a closer look.
- Net interest margin of 4.50% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 65th percentile but its structural peers at the 43rd — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SKY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $190.43M | 48th pct | 44th pct |
| Members | 12,746 | 48th pct | 51th pct |
| Net worth ratio | 8.02% | 4th pct | 15th pct |
| Return on average assets | 0.68% | 49th pct | 69th pct |
| Net interest margin | 4.50% | 89th pct | 92th pct |
| Cost of funds | 1.19% | 48th pct | 41th pct |
| Loan-to-share | 70.30% | 47th pct | 38th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 46th pct |
| Net charge-off ratio | 0.48% | 62th pct | 74th pct |
| Loan growth YoY | 1.53% | 62th pct | 74th pct |
| Share growth YoY | -3.25% | 1th pct | 3th pct |
| Efficiency ratio | 82.74% | 65th pct | 43th pct |
structural peer set hash: 4e9dc96f643a7b4943ff5644e13b0126… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.