UNIWYO
Charter #9089 · Laramie, WY · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.73% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 60.64% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 89th percentile but its structural peers at the 69th — a 21-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 | UNIWYO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $818.03M | 72th pct | 61th pct |
| Members | 61,123 | 89th pct | 69th pct |
| Net worth ratio | 12.24% | 74th pct | 70th pct |
| Return on average assets | 1.73% | 96th pct | 97th pct |
| Net interest margin | 3.68% | 66th pct | 54th pct |
| Cost of funds | 1.48% | 50th pct | 49th pct |
| Loan-to-share | 72.53% | 28th pct | 36th pct |
| Delinquency 60+ days | 0.56% | 48th pct | 44th pct |
| Net charge-off ratio | 0.71% | 76th pct | 74th pct |
| Loan growth YoY | 2.42% | 67th pct | 54th pct |
| Share growth YoY | 4.93% | 66th pct | 48th pct |
| Efficiency ratio | 60.64% | 8th pct | 3th pct |
structural peer set hash: 7b7c871fa929404ac5bc193d5c8dd012… (reproducible)
Closest structural peers
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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.