Cheyenne, WY · Charter 9094
NCUA · 5 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
55
Asset Quality
4
Profitability
39
Liquidity
38
Efficiency
81
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.
Cheyenne, WY · Charter 9094
NCUA · 5 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 | 1.12% | 1.19% | 1.08% | 0.56% | 0.24% | -88 bps | |
| Return on Equity | 8.59% | 8.83% | 7.97% | 4.20% | 1.77% | -682 bps | |
| Net Interest Margin | 4.16% | 4.32% | 4.40% | 4.38% | 4.44% | +28 bps | |
| Efficiency Ratio | 67.30% | 66.91% | 68.13% | 66.23% | 65.99% | -131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 4.30% | 2.97% | 3.02% | 1.88% | -351 bps | |
| Loan Growth (YoY) | -2.42% | 0.25% | 1.02% | 1.82% | 1.03% | +345 bps | |
| Share Growth (YoY) | 5.15% | 3.35% | 3.08% | 2.28% | 1.88% | -327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 2.68% | 3.58% | 4.19% | 4.42% | +217 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 | 13.07% | 13.44% | 13.57% | 13.46% | 13.43% | +36 bps | |
| Net Worth / Assets | 13.07% | 13.44% | 13.57% | 13.46% | 13.43% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.09% | 86.46% | 85.33% | 82.83% | 83.39% | -70 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Cheyenne, WY · Charter 9094 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
0.24%
Rank 1,357 of 1,683
Net Interest Margin
4.44%
Rank 357 of 1,683
Efficiency Ratio
65.99%
Rank 328 of 1,682
Equity / Assets
13.43%
Rank 757 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.35% | 0.74% | 1.18% | Beats 19% | 1,357 / 1,683 | |
| Return on Equity | 1.77% | 2.67% | 5.89% | 8.74% | Beats 19% | 1,364 / 1,681 | |
| Net Interest Margin | 4.44% | 3.31% | 3.82% | 4.32% | Beats 79% | 357 / 1,683 | |
| Efficiency Ratio | 65.99% | 68.91% | 78.20% | 86.93% | Beats 81% | 328 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.42% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,612 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.43% | 10.44% | 12.89% | 16.53% | Beats 55% | 757 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.43% | 10.44% | 12.89% | 16.53% | Beats 55% | 757 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.39% | 52.61% | 69.38% | 83.50% | 75th pctl | 425 / 1,683 | |
| Loans / Assets | 71.91% | 44.71% | 59.18% | 70.72% | 77th pctl | 383 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||