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 | |