Cheyenne, WY · Charter 5465
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
24
Asset Quality
80
Profitability
72
Liquidity
14
Efficiency
58
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 5465
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 | 1.54% | 1.56% | 1.52% | 1.12% | 1.14% | -40 bps | |
| Return on Equity | 16.47% | 16.11% | 15.25% | 11.22% | 11.05% | -542 bps | |
| Net Interest Margin | 3.78% | 3.82% | 3.87% | 3.87% | 3.91% | +13 bps | |
| Efficiency Ratio | 66.34% | 66.36% | 67.12% | 76.22% | 75.57% | +923 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.66% | 2.88% | 4.84% | 5.22% | 3.51% | +85 bps | |
| Loan Growth (YoY) | 6.59% | 17.40% | 17.51% | 15.68% | 7.53% | +94 bps | |
| Share Growth (YoY) | 1.10% | 1.22% | 3.31% | 4.42% | 2.67% | +156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.09% | 0.93% | 0.29% | 0.20% | -12 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 | 9.34% | 9.71% | 9.99% | 9.94% | 10.34% | +100 bps | |
| Net Worth / Assets | 9.34% | 9.71% | 9.99% | 9.94% | 10.34% | +100 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.09% | 45.83% | 46.13% | 43.52% | 43.04% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheyenne, WY · Charter 5465 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.14%
Rank 463 of 1,683
Net Interest Margin
3.91%
Rank 759 of 1,683
Efficiency Ratio
75.58%
Rank 701 of 1,682
Equity / Assets
10.34%
Rank 1,277 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | 0.35% | 0.74% | 1.18% | Beats 72% | 463 / 1,683 | |
| Return on Equity | 11.04% | 2.67% | 5.89% | 8.74% | Beats 88% | 203 / 1,681 | |
| Net Interest Margin | 3.91% | 3.31% | 3.82% | 4.32% | Beats 55% | 759 / 1,683 | |
| Efficiency Ratio | 75.58% | 68.91% | 78.20% | 86.93% | Beats 58% | 701 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 343 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.34% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,277 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.34% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,277 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.04% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,447 / 1,683 | |
| Loans / Assets | 38.33% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,407 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||