Laramie, WY · Charter 11867
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
62
Profitability
83
Liquidity
87
Efficiency
91
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Laramie, WY · Charter 11867
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 1.58% | 1.77% | 1.81% | 1.66% | 1.60% | 1.68% | 1.74% | -7 bps | |
| Return on Equity | 14.96% | 14.49% | 16.20% | 16.17% | 14.89% | 14.27% | 14.64% | 14.77% | -140 bps | |
| Net Interest Margin | 4.03% | 4.10% | 4.22% | 4.18% | 4.03% | 3.96% | 4.03% | 4.00% | -18 bps | |
| Efficiency Ratio | 59.74% | 59.27% | 57.33% | 56.85% | 56.57% | 56.92% | 57.23% | 57.09% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.11% | 4.94% | 5.77% | 9.42% | 10.63% | 13.93% | 10.52% | 9.94% | +52 bps | |
| Loan Growth (YoY) | -1.17% | -4.96% | -2.57% | 1.29% | -3.52% | -1.73% | -4.31% | -8.49% | -978 bps | |
| Share Growth (YoY) | 5.03% | 3.64% | 4.69% | 8.60% | 10.08% | 13.73% | 9.87% | 9.26% | +65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.40% | 0.64% | 0.60% | 0.66% | 0.68% | 0.49% | 0.47% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.52% | 10.92% | 10.90% | 11.16% | 11.12% | 11.18% | 11.46% | 11.75% | +59 bps | |
| Net Worth / Assets | 10.52% | 10.92% | 10.90% | 11.16% | 11.12% | 11.18% | 11.46% | 11.75% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.09% | 82.35% | 78.55% | 78.14% | 73.70% | 71.16% | 68.41% | 65.45% | -1,269 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Laramie, WY · Charter 11867 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.74%
Rank 152 of 1,683
Net Interest Margin
4.00%
Rank 673 of 1,683
Efficiency Ratio
57.08%
Rank 147 of 1,682
Equity / Assets
11.75%
Rank 1,031 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.74% | 0.35% | 0.74% | 1.18% | Beats 91% | 152 / 1,683 | ||
| Return on Equity | 14.77% | 2.67% | 5.89% | 8.74% | Beats 97% | 51 / 1,681 | ||
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 673 / 1,683 | ||
| Efficiency Ratio | 57.08% | 68.91% | 78.20% | 86.93% | Beats 91% | 147 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 648 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,031 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.75% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,031 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.45% | 52.61% | 69.38% | 83.50% | 43rd pctl | 965 / 1,683 | ||
| Loans / Assets | 57.70% | 44.71% | 59.18% | 70.72% | 47th pctl | 893 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||