Cody, WY · Charter 8733
NCUA · 4 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 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
23
Asset Quality
2
Profitability
7
Liquidity
100
Efficiency
7
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.
Cody, WY · Charter 8733
NCUA · 4 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 | 0.17% | 0.05% | 0.09% | -0.09% | -3.24% | -341 bps | |
| Return on Equity | 1.44% | 0.42% | 0.75% | -0.77% | -31.59% | -3,304 bps | |
| Net Interest Margin | 3.26% | 3.34% | 3.26% | 3.00% | 3.12% | -14 bps | |
| Efficiency Ratio | 81.78% | 85.02% | 87.63% | 102.36% | 100.17% | +1,839 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.52% | 3.05% | 0.42% | 0.42% | -3.27% | -579 bps | |
| Loan Growth (YoY) | -4.51% | -2.96% | -6.97% | -9.96% | -10.56% | -605 bps | |
| Share Growth (YoY) | 2.45% | 2.84% | 0.07% | 0.12% | -1.91% | -435 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 0.77% | 0.87% | 2.34% | 7.34% | +352 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 | 11.49% | 11.42% | 11.50% | 11.51% | 10.26% | -123 bps | |
| Net Worth / Assets | 11.49% | 11.42% | 11.50% | 11.51% | 10.26% | -123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.21% | 74.78% | 71.86% | 69.90% | 69.48% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cody, WY · Charter 8733 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
-3.24%
Rank 1,659 of 1,683
Net Interest Margin
3.12%
Rank 1,379 of 1,683
Efficiency Ratio
100.18%
Rank 1,563 of 1,682
Equity / Assets
10.26%
Rank 1,295 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.24% | 0.35% | 0.74% | 1.18% | Beats 1% | 1,659 / 1,683 | |
| Return on Equity | -31.59% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,666 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,379 / 1,683 | |
| Efficiency Ratio | 100.18% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,563 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.34% | 0.26% | 0.65% | 1.29% | Beats 2% | 1,657 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,295 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.26% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,295 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.48% | 52.61% | 69.38% | 83.50% | 50th pctl | 838 / 1,683 | |
| Loans / Assets | 62.45% | 44.71% | 59.18% | 70.72% | 58th pctl | 715 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||