Laramie, WY · Charter 687
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.58% | 0.77% | 1.02% | 0.87% | 0.89% | 0.80% | 0.55% | -47 bps | |
| Return on Equity | 5.83% | 7.26% | 9.35% | 11.81% | 10.51% | 10.70% | 9.30% | 6.49% | -532 bps | |
| Net Interest Margin | 4.63% | 4.42% | 4.97% | 5.06% | 4.75% | 4.69% | 4.74% | 4.70% | -36 bps | |
| Efficiency Ratio | 73.13% | 78.97% | 71.55% | 68.35% | 68.04% | 68.62% | 75.24% | 73.06% | +471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 39.54% | 45.21% | 50.60% | 51.40% | 13.22% | 7.85% | 10.95% | -3,965 bps | |
| Loan Growth (YoY) | 0.76% | 28.30% | 31.90% | 43.61% | 47.08% | 18.63% | 17.16% | 14.36% | -2,925 bps | |
| Share Growth (YoY) | 6.57% | 37.80% | 44.42% | 52.44% | 52.50% | 15.02% | 8.33% | 10.42% | -4,202 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.60% | 0.47% | 0.26% | 0.17% | 0.24% | 0.40% | 0.14% | -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 | 8.97% | 8.00% | 8.24% | 8.65% | 8.25% | 8.32% | 8.55% | 8.49% | -16 bps | |
| Net Worth / Assets | 8.97% | 8.00% | 8.24% | 8.65% | 8.25% | 8.32% | 8.55% | 8.49% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.56% | 86.13% | 84.72% | 89.85% | 88.30% | 88.83% | 91.63% | 93.05% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |