WYHY
Charter #9094 · CHEYENNE, WY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.46% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.58% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.19% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 66.23% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 59th — 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 | WYHY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $409.60M | 91th pct | 84th pct |
| Members | 22,839 | 85th pct | 59th pct |
| Net worth ratio | 13.46% | 74th pct | 77th pct |
| Return on average assets | 0.57% | 40th pct | 28th pct |
| Net interest margin | 4.43% | 88th pct | 72th pct |
| Cost of funds | 1.58% | 72th pct | 84th pct |
| Loan-to-share | 82.83% | 75th pct | 69th pct |
| Delinquency 60+ days | 4.19% | 99th pct | 97th pct |
| Net charge-off ratio | 0.68% | 77th pct | 52th pct |
| Loan growth YoY | -1.25% | 33th pct | 20th pct |
| Share growth YoY | 3.08% | 44th pct | 46th pct |
| Efficiency ratio | 66.23% | 18th pct | 10th pct |
structural peer set hash: 348a14c2b7c0e0ad5a150dd7e0eb8a0d… (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.