Sunlight
Cody, WY · Charter 8733 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$210.6MAssets
$131.5MLoans
$189.3MShares
$21.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 23% of credit unions under $1B in assets (rank 1295 of 1683).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1666 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
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 |