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 | |