Lander, WY · Charter 16009
NCUA · 3 branches
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
59
Asset Quality
78
Profitability
71
Liquidity
29
Efficiency
82
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.
Lander, WY · Charter 16009
NCUA · 3 branches
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 | 1.43% | 1.38% | 1.26% | 1.43% | 1.35% | 1.29% | 1.33% | 1.39% | -5 bps | |
| Return on Equity | 10.99% | 10.51% | 9.82% | 10.87% | 9.98% | 9.46% | 9.65% | 10.02% | -85 bps | |
| Net Interest Margin | 3.57% | 3.57% | 3.68% | 3.72% | 3.80% | 3.83% | 3.91% | 3.79% | +7 bps | |
| Efficiency Ratio | 67.28% | 66.98% | 69.16% | 66.88% | 67.10% | 65.85% | 66.45% | 65.32% | -156 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.57% | 8.70% | 10.63% | 9.32% | 6.41% | 5.37% | 2.13% | 4.11% | -522 bps | |
| Loan Growth (YoY) | 0.98% | 3.65% | 8.74% | 9.64% | 9.00% | 8.24% | 5.83% | 6.30% | -334 bps | |
| Share Growth (YoY) | 6.67% | 8.02% | 10.22% | 8.73% | 5.71% | 4.61% | 0.97% | 3.35% | -538 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.51% | 0.60% | 0.66% | 0.91% | 0.80% | 0.25% | 0.23% | -43 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 | 13.03% | 13.12% | 12.82% | 13.18% | 13.47% | 13.65% | 13.77% | 13.83% | +65 bps | |
| Net Worth / Assets | 13.03% | 13.12% | 12.82% | 13.18% | 13.47% | 13.65% | 13.77% | 13.83% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.45% | 82.23% | 81.13% | 83.05% | 85.02% | 85.08% | 85.03% | 85.42% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lander, WY · Charter 16009 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.39%
Rank 298 of 1,683
Net Interest Margin
3.79%
Rank 866 of 1,683
Efficiency Ratio
65.33%
Rank 304 of 1,682
Equity / Assets
13.83%
Rank 698 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.39% | 0.35% | 0.74% | 1.18% | Beats 82% | 298 / 1,683 | ||
| Return on Equity | 10.02% | 2.67% | 5.89% | 8.74% | Beats 83% | 282 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 866 / 1,683 | ||
| Efficiency Ratio | 65.33% | 68.91% | 78.20% | 86.93% | Beats 82% | 304 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.23% | 0.26% | 0.65% | 1.29% | Beats 78% | 372 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.83% | 10.44% | 12.89% | 16.53% | Beats 59% | 698 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.83% | 10.44% | 12.89% | 16.53% | Beats 59% | 698 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.42% | 52.61% | 69.38% | 83.50% | 78th pctl | 366 / 1,683 | ||
| Loans / Assets | 73.27% | 44.71% | 59.18% | 70.72% | 80th pctl | 331 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||