Sky Federal Credit Union

Headquarters: Livingston, Montana
Charter: Credit Union
Assets: $197.3M
Fed district: Minneapolis
Regulator: NCUA

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for Sky Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sky Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Sky Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $411K in Q2 2026, 7.9% above the same quarter a year earlier ($381K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Sky Secure Checking $7 · Fresh Start Checking $10
Compared at $10, the middle of its prices
Sky Federal Credit Union: $7 to $10
Sky Federal Credit Union: $7 to $10
U.S. median: no median
Non-Network ATM
Sky Federal Credit Union: $2
Sky Federal Credit Union: $2
U.S. median: no median
Stop Payment
Compared at $15, the middle of its prices
Sky Federal Credit Union: $15 to $35
Sky Federal Credit Union: $15 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 15% from Q3 2025 to Q2 2026, to $411K.

Fee income, Q2 2026

$411K

$357KQ3 2025

$386KQ4 2025

$337KQ1 2026

$411KQ2 2026

Against the median

Sky Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Sky Federal Credit Union · $197M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Credit unions only
$192M to $203M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sky Federal Credit Union(this institution)	Livingston, MT	$197M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Abbey Federal Credit Union	Vandalia, OH	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Awakon Federal Credit Union	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Beach Municipal Federal Credit Union	Virginia Beach, VA	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Big Island Federal Credit Union	Hilo, HI	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Virginia Federal Credit Union	Lynchburg, VA	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Credit Union	Big Spring, TX	$202M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coloramo Federal Credit Union	Grand Junction, CO	$196M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Discovery Federal Credit Union	Wyomissing, PA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Downriver Community Federal Credit Union	Ecorse, MI	$193M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Endurance Federal Credit Union	Duncan, OK	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Central Federal Credit Union	Waco, TX	$192M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Kauai Federal Credit Union	Lihue, HI	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersource Federal Credit Union	Houston, TX	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Northeast Community Federal Credit Union	Elizabethton, TN	$194M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
P & G Mehoopany Employees Federal Credit Union	Tunkhannock, PA	$195M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Polish-American Federal Credit Union	Troy, MI	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
River Works Federal Credit Union	Lynn, MA	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Riverfall Federal Credit Union	Tuscaloosa, AL	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saco Valley Federal Credit Union	Saco, ME	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Schools Federal Credit Union	Torrance, CA	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sentinel Federal Credit Union	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Service 1 Federal Credit Union	Muskegon, MI	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Spirit Of Alaska Federal Credit Union	Fairbanks, AK	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
White Eagle Federal Credit Union	Augusta, KS	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.25 (29%) above the median of similar-sized credit unions.

Compared at $10, the middle of its three prices, against a peer median of $7.75 among 8 publishing peers.

Its three checking prices are $7, $10 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sky Federal Credit Union: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sky Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $411K
vs prior quarter: +$74K+22.0%; from Q1 2026
vs a year earlier: +$30K+7.9%; from Q2 2025
vs start of range: +$44K+12.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sky Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$411K	+$74K	+22.0%
Q1 2026	$337K	−$49K	−12.7%
Q4 2025	$386K	+$29K	+8.1%
Q3 2025	$357K	−$24K	−6.3%
Q2 2025	$381K	+$28K	+7.9%
Q1 2025	$353K	−$51K	−12.6%
Q4 2024	$404K	+$37K	+10.1%
Q3 2024	$367K	+$10K	+2.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Sky Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Fresh Start Checking monthly maintenance fee$10
per month
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Fresh Start Checking monthly maintenance fee	$10	per month	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Account Maintenance

Fresh Start Checking Maintenance Fee$10
Sky Secure Checking Monthly Maintenance fee$7
per month
High Yield Checking Below Minimum Balance Canadian Item Return$35
Closed Account (open < 90 days)$25
Inactivity Fee (inactive for 3 years)$10
Statement Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee (consumer and business)$3
Bad Address (monthly)$8
per month

Overdraft & NSF

Negative Balance Fee$5
per day
Overdraft Transfer$5

ATM & Card

Transaction on Non CO-OP Network ATM$2
Card Replacement$10
Card or PIN Rush Order (3-5 Days)$60
Foreign Transaction Fee2%of the transaction

Wire Transfers

Incoming Wire$10

Check Services

Cashier Check$3
Money Order$2
Cashier/Teller/Corporate Check Stop Payment$15
Money Order Stop Payment$15
Stop Payment$35
Temporary Checks$4
Canadian Collection Item (for each item processed)$25
per item
Foreign Collection Item (for each item processed)$25
per item
Business Check Images Returned with Statement (monthly)$10
Not compared: Monthly charge, not per item
per month
Check Images Returned with Statement (monthly)$10
per item
Copy of Cancelled Check$5

Digital & Electronic

Online bill payNo charge

Cash & Deposit

Returned Item Deposit / Loan Payment$35
per item
Night DepositoryNo charge

Account Services

Garnishment/Execution/Levy$75

Lending Fees

VISA Credit Card Late Payment$25

Gift & Prepaid Cards

VISA Pre-paid Gift Card$7.95

Other Fees

CHECKING ACCOUNT SERVICE FEES Photocopies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Copy of Transaction$15
Statement Printout$5
Page Skip-A-Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Fresh Start Checking Maintenance Fee	$10	Not stated	None
Sky Secure Checking Monthly Maintenance fee	$7	per month	None
High Yield Checking Below Minimum Balance Canadian Item Return	$35	Not stated	None
Closed Account (open < 90 days)	$25	Not stated	None
Inactivity Fee (inactive for 3 years)	$10	Not stated	None
Statement Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee (consumer and business)	$3	Not stated	None
Bad Address (monthly)	$8	per month	None
Overdraft & NSF
Negative Balance Fee	$5	per day	None
Overdraft Transfer	$5	Not stated	None
ATM & Card
Transaction on Non CO-OP Network ATM	$2	Not stated	None
Card Replacement	$10	Not stated	None
Card or PIN Rush Order (3-5 Days)	$60	Not stated	None
Foreign Transaction Fee	2%of the transaction	Not stated	None
Wire Transfers
Incoming Wire	$10	Not stated	None
Check Services
Cashier Check	$3	Not stated	None
Money Order	$2	Not stated	None
Cashier/Teller/Corporate Check Stop Payment	$15	Not stated	None
Money Order Stop Payment	$15	Not stated	None
Stop Payment	$35	Not stated	None
Temporary Checks	$4	Not stated	None
Canadian Collection Item (for each item processed)	$25	per item	None
Foreign Collection Item (for each item processed)	$25	per item	None
Business Check Images Returned with Statement (monthly)	$10Not compared: Monthly charge, not per item	per month	None
Check Images Returned with Statement (monthly)	$10	per item	None
Copy of Cancelled Check	$5	Not stated	None
Digital & Electronic
Online bill pay	No charge	Not stated	None
Cash & Deposit
Returned Item Deposit / Loan Payment	$35	per item	None
Night Depository	No charge	Not stated	None
Account Services
Garnishment/Execution/Levy	$75	Not stated	None
Lending Fees
VISA Credit Card Late Payment	$25	Not stated	None
Gift & Prepaid Cards
VISA Pre-paid Gift Card	$7.95	Not stated	None
Other Fees
CHECKING ACCOUNT SERVICE FEES Photocopies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Copy of Transaction	$15	Not stated	None
Statement Printout	$5	Not stated	None
Page Skip-A-Payment	$35	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Sky Federal Credit Union's cashier's check changes in our data

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