PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Uniwyo

Laramie, WY · Charter 9089

NCUA · 7 branches

Q2 2026

$825.6MAssets
$532.3MLoans
$718.4MShares
$104.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.80%, up 40 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.70% of loans (+8 bps YoY).
  • Capital: net worth / assets of 12.61%, up 94 bps from a year ago.
  • Funding: loans stand at 74.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.80%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.69%+14 bps YoY

Efficiency Ratio (quarter, annualized)

59.78%-393 bps YoY

Net Worth / Assets

12.61%+94 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.40%1.54%1.50%1.70%1.80%+40 bps
Return on Equity12.00%12.75%12.28%13.89%14.28%+228 bps
Net Interest Margin3.55%3.64%3.63%3.62%3.69%+14 bps
Efficiency Ratio63.71%62.07%61.04%60.64%59.78%-393 bps
Growth
Asset Growth (YoY)7.07%5.56%7.18%7.07%6.51%-56 bps
Loan Growth (YoY)6.88%11.90%10.68%6.53%8.14%+127 bps
Share Growth (YoY)6.55%4.54%5.43%5.64%5.48%-107 bps
Asset Quality
Delinquent Loans / Loans0.62%0.71%0.79%0.56%0.70%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.66%12.09%12.22%12.24%12.61%+94 bps
Net Worth / Assets11.66%12.09%12.22%12.24%12.61%+94 bps
Liquidity & Funding
Loans / Shares72.27%74.31%73.48%72.53%74.09%+182 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps