Stagepoint
Laramie, WY · Charter 687 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$131.0MAssets
$111.3MLoans
$119.6MShares
$11.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 85% of credit unions under $1B in assets (rank 253 of 1683).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets (rank 1571 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.55%
Rank 1,071 of 1,683
Net Interest Margin
4.70%
Rank 253 of 1,683
Efficiency Ratio
73.06%
Rank 595 of 1,682
Equity / Assets
8.49%
Rank 1,571 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 36% | 1,071 / 1,683 | | |
| Return on Equity | 6.49% | 2.67% | 5.89% | 8.74% | Beats 56% | 741 / 1,681 | | |
| Net Interest Margin | 4.70% | 3.31% | 3.82% | 4.32% | Beats 85% | 253 / 1,683 | | |
| Efficiency Ratio | 73.06% | 68.91% | 78.20% | 86.93% | Beats 65% | 595 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 84% | 277 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.49% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,571 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.49% | 10.44% | 12.89% | 16.53% | Beats 7% | 1,571 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.05% | 52.61% | 69.38% | 83.50% | 91st pctl | 154 / 1,683 | | |
| Loans / Assets | 84.92% | 44.71% | 59.18% | 70.72% | 97th pctl | 45 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |