Cheyenne, WY · Charter 9094
NCUA · 5 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 | 1.10% | 1.15% | 0.96% | 1.12% | 1.19% | 1.08% | 0.56% | 0.24% | -88 bps | |
| Return on Equity | 8.60% | 8.92% | 7.42% | 8.59% | 8.83% | 7.97% | 4.20% | 1.77% | -682 bps | |
| Net Interest Margin | 4.22% | 4.17% | 4.11% | 4.16% | 4.32% | 4.40% | 4.38% | 4.44% | +28 bps | |
| Efficiency Ratio | 68.95% | 68.04% | 70.44% | 67.30% | 66.91% | 68.13% | 66.23% | 65.99% | -131 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.79% | 3.07% | 3.51% | 5.39% | 4.30% | 2.97% | 3.02% | 1.88% | -351 bps | |
| Loan Growth (YoY) | 3.05% | 2.33% | -5.17% | -2.42% | 0.25% | 1.02% | 1.82% | 1.03% | +345 bps | |
| Share Growth (YoY) | 0.83% | 2.35% | 3.86% | 5.15% | 3.35% | 3.08% | 2.28% | 1.88% | -327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 2.02% | 2.04% | 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 | 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 | 12.77% | 12.89% | 12.90% | 13.07% | 13.44% | 13.57% | 13.46% | 13.43% | +36 bps | |
| Net Worth / Assets | 12.77% | 12.89% | 12.90% | 13.07% | 13.44% | 13.57% | 13.46% | 13.43% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.13% | 87.07% | 83.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |