Western Vista
Cheyenne, WY · Charter 3972 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$280.8MAssets
$206.5MLoans
$235.3MShares
$26.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 73% of credit unions under $1B in assets (rank 451 of 1683).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1463 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 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 |