Guernsey Community
Guernsey, WY · Charter 9501 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$1.8MAssets
$1.5MLoans
$1.4MShares
$389KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 97% of credit unions under $1B in assets (rank 53 of 1683).
- Widest gap: nonperforming loans / loans trails 100% of credit unions under $1B in assets (rank 1679 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |