TellerScore

Stagepoint Federal Credit Union is a federal credit union headquartered in Laramie, Wyoming, in business for about 91 years. At the end of Q2 2026 it reported $131.0M in total assets and $119.6M in member shares and deposits, with 1 office.

Stagepoint Federal Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 18 credit unions headquartered in Wyoming, it ranks 13th. Loan quality contributes the most (95/100, 0.14%); capital cushion contributes the least (35/100, 8.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Net worth ratio: 8.49%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity67/100
Loans ÷ shares: 93.0% · 7.5% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.73%

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 fell 4 points (66 → 62), mostly because the earnings component weakened by 19 points.

TellerScore
576266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202463
Q4 202457
Q1 202561
Q2 202566
Q3 202564
Q4 202564
Q1 202662
Q2 202662
Net worth ratio
7.00%8.10%9.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.20%
Q3 20248.97%
Q4 20248.00%
Q1 20258.24%
Q2 20258.65%
Q3 20258.25%
Q4 20258.32%
Q1 20268.55%
Q2 20268.49%
Delinquent loans (60+ days)
0.14%0.37%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.26%
Q4 20240.60%
Q1 20250.47%
Q2 20250.26%
Q3 20250.17%
Q4 20250.24%
Q1 20260.40%
Q2 20260.14%
Return on assets
0.13%0.57%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.13%
Q3 20240.52%
Q4 20240.58%
Q1 20250.77%
Q2 20251.02%
Q3 20250.87%
Q4 20250.89%
Q1 20260.80%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$131.0M8.49%0.14%0.55%93.0%
Q1 202662$128.9M8.55%0.40%0.80%91.6%
Q4 202564$129.4M8.32%0.24%0.89%88.8%
Q3 202564$126.5M8.25%0.17%0.87%88.3%
Q2 202566$118.1M8.65%0.26%1.02%89.8%
Q1 202561$119.5M8.24%0.47%0.77%84.7%
Q4 202457$114.3M8.00%0.60%0.58%86.1%
Q3 202463$83.6M8.97%0.26%0.52%91.6%
Q2 202459$78.4M9.20%0.29%0.13%95.4%

1,341 peers · $100 million – $1 billion

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).

Capital ratio8.49%
7th
Problem loans0.14%
93rd
Net charge-offs0.87%
13th
Return on assets0.55%
35th
Loans to deposits93.0%
11th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio2.7%
66th

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Sheridan Community Federal Credit UnionCredit union Sheridan, WY65 out of 100, Moderate$105.0M10.8%1.42%vs
Sunlight Federal Credit UnionCredit union Cody, WY31 out of 100, Low$210.6M10.3%7.34%vs
Grand Altitude Federal Credit UnionCredit union Lander, WY85 out of 100, Very strong$222.3M13.8%0.23%vs
Campco Federal Credit UnionCredit union Gillette, WY77 out of 100, Strong$227.6M11.5%0.45%vs
Western Vista Federal Credit UnionCredit union Cheyenne, WY62 out of 100, Moderate$280.8M9.3%0.68%vs
Wyhy Federal Credit UnionCredit union Cheyenne, WY47 out of 100, Below average$409.0M13.4%4.42%vs

Deposit insurance

Is my money safe at Stagepoint Federal Credit Union?

Yes. Stagepoint Federal Credit Union is a federally insured credit union (NCUA charter #687). 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 7.5% of shares and deposits ($9.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.49%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Stagepoint Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Stagepoint Federal Credit Union reported 36 home-loan applications under HMDA (LEI 25490090KXNIT4RLYQ17): 26 originated ($8,370,000 total), 4 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Stagepoint Federal Credit Union
Type
Federal credit union
NCUA charter #
687
RSSD ID
797672
Primary regulator
NCUA
Established
1935
Headquarters
365 N 3rd St, Laramie, WY 82072
Employees
34

Quick answers

Stagepoint Federal Credit Union: common questions

Is Stagepoint Federal Credit Union NCUA insured?

Yes. Stagepoint Federal Credit Union is a federally insured credit union (NCUA charter #687). 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 Stagepoint Federal Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Stagepoint Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Laramie

InstitutionScoreAssetsCapitalProblem loansCompare
A.C.P.E. Federal Credit UnionCredit union Laramie, WY83 out of 100, Strong$78.1M11.8%0.47%vs
Pinnacle Bank - WyomingBank Cody, WY77 out of 100, Strong$1.3B10.7%0.26%vs
Riverstone BankBank Eagle, NE76 out of 100, Strong$593.4M9.7%0.05%vs
First National Bank of OmahaBank Omaha, NE72 out of 100, Strong$34.2B10.8%0.78%vs
ANB BankBank Denver, CO64 out of 100, Moderate$2.9B9.5%0.37%vs
First Interstate BankBank Billings, MT62 out of 100, Moderate$25.8B9.4%1.12%vs