Compared with Montana
11 of 22
compared fees are above the median.
2 below, 9 about the same.
About the same: within 1% of the median.
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
72nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 22 compared; 2 below, 9 about the same
See the feesFee schedule read Oct 14, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Montana median | Published fees above the Montana 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
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (72nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
11 of 22 compared published fees sit above the Montana median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Montana 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
Non-Network ATM
Stop Payment
Compared at $15, the middle of its prices
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.
Fee income rose 15% from Q3 2025 to Q2 2026, to $411K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$411K
Sky Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Sky Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Sky Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Sky Federal Credit Union by share.
Amounts from Sky Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per item
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Fresh Start Checking monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Sky Secure Checking Monthly Maintenance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| High Yield Checking Below Minimum Balance Canadian Item Return | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closed Account (open < 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (inactive for 3 years) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (consumer and business) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address (monthly) | $8Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Negative Balance Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Transaction on Non CO-OP Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card or PIN Rush Order (3-5 Days) | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fee | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Cashier/Teller/Corporate Check Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Money Order Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Canadian Collection Item (for each item processed) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Collection Item (for each item processed) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Images Returned with Statement (monthly) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Cancelled Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online bill pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Item Deposit / Loan Payment | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Execution/Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| VISA Credit Card Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Pre-paid Gift Card | $7.95Above the U.S. middle 50% ($3 to $4.95 nationally) | 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 | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Page Skip-A-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per month
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Sky Secure Checking Monthly Maintenance fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| High Yield Checking Below Minimum Balance Canadian Item Return | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closed Account (open < 90 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (inactive for 3 years) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (consumer and business) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address (monthly) | $8Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Negative Balance Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Transaction on Non CO-OP Network ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card or PIN Rush Order (3-5 Days) | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fee | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Cashier/Teller/Corporate Check Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Money Order Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Canadian Collection Item (for each item processed) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Collection Item (for each item processed) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | 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) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Cancelled Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online bill pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Item Deposit / Loan Payment | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Depository | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Execution/Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| VISA Credit Card Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Pre-paid Gift Card | $7.95Above the U.S. middle 50% ($3 to $4.95 nationally) | 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 | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Page Skip-A-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Sky Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bozeman, MT | 2 |
| Belgrade, MT | 1 |
| Big Timber, MT | 1 |
| Ennis, MT | 1 |
| Livingston, MT | 1 |
Largest competitors nearby
Local market: Park county, MT, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| First Interstate Bank | 38% |
| Bank of The Rockies | 21.2% |
| American Bank | 19.9% |
| Opportunity Bank of Montana | 10.9% |
| Wells Fargo Bank, National Association | 10.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.