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 | |