Headquartered in Sheridan, Wyoming, Cit-Co Federal Credit Union is a federal credit union with $32.9M in total assets and $29.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Cit-Co Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 65% of its 2,479 credit unions with under $100 million in assets. Among 18 credit unions headquartered in Wyoming, it ranks 6th. Earnings contributes the most (100/100, 4.50%); capital cushion contributes the least (54/100, 10.40%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 8 points (72 → 80), mostly because the earnings component improved by 36 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 70 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 65 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.97% |
| Q3 2024 | 9.23% |
| Q4 2024 | 8.82% |
| Q1 2025 | 9.01% |
| Q2 2025 | 9.24% |
| Q3 2025 | 9.43% |
| Q4 2025 | 9.25% |
| Q1 2026 | 8.71% |
| Q2 2026 | 10.40% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.06% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.51% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.29% |
| Q1 2026 | 0.91% |
| Q2 2026 | 4.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $32.9M | 10.40% | 0.51% | 4.50% | 68.7% |
| Q1 2026 | 65 | $31.8M | 8.71% | 0.58% | 0.91% | 68.8% |
| Q4 2025 | 69 | $29.0M | 9.25% | 0.59% | 1.29% | 77.8% |
| Q3 2025 | 70 | $27.5M | 9.43% | 0.34% | 1.21% | 82.9% |
| Q2 2025 | 72 | $26.9M | 9.24% | 0.05% | 1.11% | 78.9% |
| Q1 2025 | 71 | $26.7M | 9.01% | 0.00% | 0.91% | 77.2% |
| Q4 2024 | 70 | $26.5M | 8.82% | 0.00% | 0.87% | 76.8% |
| Q3 2024 | 70 | $24.8M | 9.23% | 0.06% | 0.95% | 85.7% |
| Q2 2024 | 68 | $24.8M | 8.97% | 0.14% | 1.03% | 87.9% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cheyenne-Laramie County Employees Federal Credit UnionCredit union Cheyenne, WY | 85 out of 100, Very strong | $31.9M | 15.4% | 1.44% | vs |
| Powell Schools Federal Credit UnionCredit union Powell, WY | 59 out of 100, Moderate | $3.9M | 7.3% | 0.00% | vs |
| Guernsey Community Federal Credit UnionCredit union Guernsey, WY | 51 out of 100, Below average | $1.8M | 21.3% | 19.81% | vs |
| Pathfinder Federal Credit UnionCredit union Casper, WY | 76 out of 100, Strong | $68.6M | 11.6% | 0.64% | vs |
| A.C.P.E. Federal Credit UnionCredit union Laramie, WY | 83 out of 100, Strong | $78.1M | 11.8% | 0.47% | vs |
| First Education Federal Credit UnionCredit union Cheyenne, WY | 77 out of 100, Strong | $87.2M | 10.3% | 0.20% | vs |
Deposit insurance
Is my money safe at Cit-Co Federal Credit Union?
Yes. Cit-Co Federal Credit Union is a federally insured credit union (NCUA charter #9644). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Cit-Co Federal Credit Union lists 1 office in 1 city. Most locations:
- Sheridan, WY (1)
Identity & history
Profile
- Legal name
- Cit-Co Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9644
- RSSD ID
- 55587
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- PO Box 4067, Sheridan, WY 82801
- Employees
- 5
Quick answers
Cit-Co Federal Credit Union: common questions
Is Cit-Co Federal Credit Union NCUA insured?
Yes. Cit-Co Federal Credit Union is a federally insured credit union (NCUA charter #9644). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Cit-Co Federal Credit Union's TellerScore?
80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Cit-Co Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Sheridan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Campco Federal Credit UnionCredit union Gillette, WY | 77 out of 100, Strong | $227.6M | 11.5% | 0.45% | vs |
| Security State BankBank Basin, WY | 71 out of 100, Strong | $449.1M | 10.4% | 0.22% | vs |
| Cowboy State BankBank Ranchester, WY | 70 out of 100, Strong | $50.3M | 12.4% | 0.91% | vs |
| Buffalo Federal BankBank Buffalo, WY | 70 out of 100, Strong | $202.6M | 10.4% | 0.67% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| Sheridan Community Federal Credit UnionCredit union Sheridan, WY | 65 out of 100, Moderate | $105.0M | 10.8% | 1.42% | vs |