Laramie, WY · Charter 9089
NCUA · 7 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.68% | 1.43% | 1.24% | 1.40% | 1.54% | 1.50% | 1.70% | 1.80% | +40 bps | |
| Return on Equity | 14.75% | 12.44% | 10.82% | 12.00% | 12.75% | 12.28% | 13.89% | 14.28% | +228 bps | |
| Net Interest Margin | 3.33% | 3.37% | 3.53% | 3.55% | 3.64% | 3.63% | 3.62% | 3.69% | +14 bps | |
| Efficiency Ratio | 62.76% | 65.22% | 66.66% | 63.71% | 62.07% | 61.04% | 60.64% | 59.78% | -393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.60% | 3.26% | 4.93% | 7.07% | 5.56% | 7.18% | 7.07% | 6.51% | -56 bps | |
| Loan Growth (YoY) | -7.79% | -4.07% | 3.60% | 6.88% | 11.90% | 10.68% | 6.53% | 8.14% | +127 bps | |
| Share Growth (YoY) | 3.77% | 4.34% | 5.75% | 6.55% | 4.54% | 5.43% | 5.64% | 5.48% | -107 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.80% | 0.64% | 0.62% | 0.71% | 0.79% | 0.56% | 0.70% | +8 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 | 11.39% | 11.51% | 11.43% | 11.66% | 12.09% | 12.22% | 12.24% | 12.61% | +94 bps | |
| Net Worth / Assets | 11.39% | 11.51% | 11.43% | 11.66% | 12.09% | 12.22% | 12.24% | 12.61% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.42% | 70.00% | 71.92% | 72.27% | 74.31% | 73.48% | 72.53% | 74.09% | +182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |