Cheyenne, WY · Charter 3972
NCUA · 5 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
13
Asset Quality
49
Profitability
65
Liquidity
19
Efficiency
50
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.
Cheyenne, WY · Charter 3972
NCUA · 5 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 | 0.50% | 0.50% | 0.01% | 0.25% | 0.43% | 0.48% | 0.88% | 0.75% | +50 bps | |
| Return on Equity | 5.31% | 5.22% | 0.08% | 2.69% | 4.56% | 5.27% | 9.56% | 8.04% | +535 bps | |
| Net Interest Margin | 4.33% | 4.27% | 3.87% | 3.93% | 4.36% | 4.42% | 4.48% | 4.27% | +35 bps | |
| Efficiency Ratio | 72.47% | 74.31% | 84.53% | 78.38% | 75.24% | 74.23% | 79.72% | 78.13% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.87% | -5.10% | -5.24% | 1.15% | 4.65% | 9.25% | 13.02% | 8.81% | +766 bps | |
| Loan Growth (YoY) | -5.82% | -8.73% | -8.16% | -4.85% | -4.06% | -0.92% | -1.43% | -3.22% | +162 bps | |
| Share Growth (YoY) | 1.57% | -0.63% | -0.63% | 3.70% | 6.56% | 7.73% | 6.55% | 3.07% | -62 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.79% | 0.80% | 0.81% | 0.93% | 1.15% | 0.54% | 0.68% | -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 | 9.40% | 9.53% | 9.70% | 9.41% | 9.38% | 9.17% | 9.24% | 9.35% | -7 bps | |
| Net Worth / Assets | 9.40% | 9.53% | 9.70% | 9.41% | 9.38% | 9.17% | 9.24% | 9.35% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.15% | 95.13% | 95.45% | 93.44% | 88.37% | 87.49% | 88.30% | 87.73% | -571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheyenne, WY · Charter 3972 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.75%
Rank 826 of 1,683
Net Interest Margin
4.27%
Rank 451 of 1,683
Efficiency Ratio
78.13%
Rank 836 of 1,682
Equity / Assets
9.35%
Rank 1,463 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.75% | 0.35% | 0.74% | 1.18% | Beats 51% | 826 / 1,683 | ||
| Return on Equity | 8.04% | 2.67% | 5.89% | 8.74% | Beats 70% | 504 / 1,681 | ||
| Net Interest Margin | 4.27% | 3.31% | 3.82% | 4.32% | Beats 73% | 451 / 1,683 | ||
| Efficiency Ratio | 78.13% | 68.91% | 78.20% | 86.93% | Beats 50% | 836 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.26% | 0.65% | 1.29% | Beats 49% | 864 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.35% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,463 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.35% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,463 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.73% | 52.61% | 69.38% | 83.50% | 83rd pctl | 289 / 1,683 | ||
| Loans / Assets | 73.54% | 44.71% | 59.18% | 70.72% | 81st pctl | 321 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||