Sheridan, WY · Charter 4374
NCUA · 1 branch
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
29
Asset Quality
23
Profitability
68
Liquidity
0
Efficiency
88
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.
Sheridan, WY · Charter 4374
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.76% | 1.27% | 1.64% | 1.56% | -24 bps | |
| Return on Equity | 15.04% | 15.11% | 11.20% | 15.04% | 14.50% | -54 bps | |
| Net Interest Margin | 3.84% | 3.50% | 2.99% | 3.39% | 3.21% | -63 bps | |
| Efficiency Ratio | 53.69% | 54.81% | 63.02% | 59.75% | 60.80% | +710 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.21% | 14.32% | 11.68% | 14.27% | 20.81% | +1,360 bps | |
| Loan Growth (YoY) | -6.90% | -3.98% | 20.82% | 18.90% | 32.61% | +3,951 bps | |
| Share Growth (YoY) | 6.49% | 14.19% | 11.52% | 14.33% | 21.81% | +1,532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 1.41% | 1.28% | 1.66% | 1.42% | +5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.00% | 11.64% | 11.32% | 10.88% | 10.77% | -123 bps | |
| Net Worth / Assets | 12.00% | 11.64% | 11.32% | 10.88% | 10.77% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.71% | 89.32% | 102.38% | 92.66% | 94.40% | +769 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sheridan, WY · Charter 4374 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.56%
Rank 219 of 1,683
Net Interest Margin
3.21%
Rank 1,327 of 1,683
Efficiency Ratio
60.81%
Rank 197 of 1,682
Equity / Assets
10.77%
Rank 1,199 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | 0.35% | 0.74% | 1.18% | Beats 87% | 219 / 1,683 | |
| Return on Equity | 14.49% | 2.67% | 5.89% | 8.74% | Beats 97% | 55 / 1,681 | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,327 / 1,683 | |
| Efficiency Ratio | 60.81% | 68.91% | 78.20% | 86.93% | Beats 88% | 197 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.42% | 0.26% | 0.65% | 1.29% | Beats 23% | 1,300 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,199 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.77% | 10.44% | 12.89% | 16.53% | Beats 29% | 1,199 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.40% | 52.61% | 69.38% | 83.50% | 93rd pctl | 123 / 1,683 | |
| Loans / Assets | 83.99% | 44.71% | 59.18% | 70.72% | 96th pctl | 61 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||