Guernsey, WY · Charter 9501
NCUA · 1 branch
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
90
Asset Quality
0
Profitability
77
Liquidity
0
Efficiency
39
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.
Guernsey, WY · Charter 9501
NCUA · 1 branch
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 | 2.13% | 1.99% | 1.44% | 1.62% | 1.88% | 1.98% | 1.71% | 1.33% | -30 bps | |
| Return on Equity | 11.45% | 10.52% | 7.34% | 8.22% | 9.38% | 9.64% | 8.08% | 6.22% | -200 bps | |
| Net Interest Margin | 6.70% | 6.61% | 6.44% | 6.57% | 6.29% | 6.48% | 6.50% | 5.87% | -70 bps | |
| Efficiency Ratio | 71.54% | 73.00% | 80.58% | 77.93% | 74.36% | 73.63% | 76.22% | 80.46% | +253 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.02% | -2.09% | -3.93% | -1.42% | 1.59% | 2.02% | 2.71% | 1.60% | +301 bps | |
| Loan Growth (YoY) | 3.71% | 3.19% | 1.95% | -10.17% | -1.68% | -3.28% | -4.80% | 5.67% | +1,584 bps | |
| Share Growth (YoY) | -8.10% | -4.68% | -6.80% | -3.73% | -0.29% | -0.01% | 0.72% | -0.33% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.45% | 17.22% | 12.75% | 15.47% | 23.88% | 14.20% | 13.57% | 19.81% | +434 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 | 2.85% | 2.77% | 2.86% | 3.10% | 2.90% | 2.87% | 3.00% | 2.94% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.57% | 18.94% | 19.57% | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Net Worth / Assets | 18.57% | 18.94% | 19.57% | 19.75% | 20.09% | 20.55% | 21.12% | 21.29% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.48% | 108.68% | 107.84% | 98.14% | 104.01% | 105.12% | 101.92% | 104.06% | +591 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Guernsey, WY · Charter 9501 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.32%
Rank 337 of 1,683
Net Interest Margin
5.81%
Rank 53 of 1,683
Efficiency Ratio
81.97%
Rank 1,034 of 1,682
Equity / Assets
21.32%
Rank 176 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.35% | 0.74% | 1.18% | Beats 80% | 337 / 1,683 | ||
| Return on Equity | 6.17% | 2.67% | 5.89% | 8.74% | Beats 53% | 789 / 1,681 | ||
| Net Interest Margin | 5.81% | 3.31% | 3.82% | 4.32% | Beats 97% | 53 / 1,683 | ||
| Efficiency Ratio | 81.97% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,034 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 19.83% | 0.26% | 0.65% | 1.29% | Beats 0% | 1,679 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 21.32% | 10.44% | 12.89% | 16.53% | Beats 90% | 176 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 21.32% | 10.44% | 12.89% | 16.53% | Beats 90% | 176 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 104.04% | 52.61% | 69.38% | 83.50% | 98th pctl | 37 / 1,683 | ||
| Loans / Assets | 81.81% | 44.71% | 59.18% | 70.72% | 94th pctl | 104 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||