Cheyenne, WY · Charter 7361
NCUA · 28 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
25
Profitability
37
Liquidity
0
Efficiency
48
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 7361
NCUA · 28 branches
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 | 0.48% | 0.50% | 0.57% | 0.51% | 0.51% | +3 bps | |
| Return on Equity | 5.71% | 5.79% | 6.71% | 6.15% | 6.24% | +54 bps | |
| Net Interest Margin | 3.58% | 3.64% | 3.60% | 3.48% | 3.43% | -15 bps | |
| Efficiency Ratio | 74.66% | 74.00% | 72.62% | 73.07% | 72.23% | -243 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.06% | 1.76% | 1.82% | 6.04% | 7.85% | +480 bps | |
| Loan Growth (YoY) | 4.41% | 2.77% | 1.61% | 4.85% | 8.65% | +424 bps | |
| Share Growth (YoY) | -1.05% | -1.89% | 0.70% | 4.23% | 7.80% | +885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 1.40% | 1.22% | 0.94% | 1.05% | -29 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 | 8.48% | 8.67% | 8.51% | 8.36% | 8.25% | -23 bps | |
| Net Worth / Assets | 8.48% | 8.67% | 8.51% | 8.36% | 8.25% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.37% | 100.79% | 99.78% | 100.58% | 106.21% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheyenne, WY · Charter 7361 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 28 branches
Q2 2026
Return on Assets
0.51%
Rank 341 of 435
Net Interest Margin
3.43%
Rank 204 of 435
Efficiency Ratio
72.23%
Rank 228 of 435
Equity / Assets
8.25%
Rank 415 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.55% | 0.81% | 1.14% | Beats 22% | 341 / 435 | |
| Return on Equity | 6.24% | 5.12% | 7.41% | 9.70% | Beats 36% | 278 / 435 | |
| Net Interest Margin | 3.43% | 3.01% | 3.39% | 3.75% | Beats 53% | 204 / 435 | |
| Efficiency Ratio | 72.23% | 65.25% | 71.39% | 77.86% | Beats 48% | 228 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.05% | 0.45% | 0.69% | 1.05% | Beats 25% | 326 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.25% | 9.81% | 10.84% | 12.63% | Beats 5% | 415 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.25% | 9.81% | 10.84% | 12.63% | Beats 5% | 415 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.21% | 78.33% | 88.38% | 95.61% | 95th pctl | 20 / 435 | |
| Loans / Assets | 83.89% | 67.69% | 74.58% | 80.80% | 88th pctl | 53 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||