WESTERN VISTA
Charter #3972 · Cheyenne, WY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.24% sits at the 21st percentile of structural peers — worth a closer look.
- Net interest margin of 4.52% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.28% sits at the 92nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 70th percentile but its structural peers at the 44th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WESTERN VISTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $279.35M | 70th pct | 44th pct |
| Members | 17,012 | 66th pct | 46th pct |
| Net worth ratio | 9.24% | 17th pct | 21th pct |
| Return on average assets | 0.89% | 63th pct | 67th pct |
| Net interest margin | 4.52% | 90th pct | 92th pct |
| Cost of funds | 2.28% | 94th pct | 92th pct |
| Loan-to-share | 88.30% | 86th pct | 66th pct |
| Delinquency 60+ days | 0.54% | 44th pct | 46th pct |
| Net charge-off ratio | 0.54% | 68th pct | 72th pct |
| Loan growth YoY | -0.52% | 41th pct | 16th pct |
| Share growth YoY | -0.45% | 7th pct | 2th pct |
| Efficiency ratio | 79.72% | 54th pct | 49th pct |
structural peer set hash: 6f11250aa6f796b635451991ae85a014… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.