Cheyenne, WY · Charter 3972
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |