Cheyenne, WY · Charter 7361
NCUA · 28 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | -0.49% | 0.42% | 0.48% | 0.50% | 0.57% | 0.51% | 0.51% | +3 bps | |
| Return on Equity | 2.75% | -5.96% | 4.93% | 5.71% | 5.79% | 6.71% | 6.15% | 6.24% | +54 bps | |
| Net Interest Margin | 3.36% | 3.36% | 3.55% | 3.58% | 3.64% | 3.60% | 3.48% | 3.43% | -15 bps | |
| Efficiency Ratio | 77.33% | 76.88% | 75.83% | 74.66% | 74.00% | 72.62% | 73.07% | 72.23% | -243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 13.53% | 1.33% | 3.06% | 1.76% | 1.82% | 6.04% | 7.85% | +480 bps | |
| Loan Growth (YoY) | 10.94% | 15.11% | 3.78% | 4.41% | 2.77% | 1.61% | 4.85% | 8.65% | +424 bps | |
| Share Growth (YoY) | 18.76% | 21.41% | 1.63% | -1.05% | -1.89% | 0.70% | 4.23% | 7.80% | +885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.57% | 1.75% | 1.54% | 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 | 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 | 8.86% | 8.28% | 8.45% | 8.48% | 8.67% | 8.51% | 8.36% | 8.25% | -23 bps | |
| Net Worth / Assets | 8.86% | 8.28% | 8.45% | 8.48% | 8.67% | 8.51% | 8.36% | 8.25% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.22% | 98.89% | 99.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |