TellerScore

Uniwyo Federal Credit Union is a federal credit union headquartered in Laramie, Wyoming, in business for about 73 years. At the end of Q2 2026 it reported $825.6M in total assets and $718.4M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Uniwyo Federal Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 18 credit unions headquartered in Wyoming, it ranks 3rd. Its strongest component is earnings (92/100; 1.80%), and its lowest is capital cushion (76/100; 12.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.60%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 8.4% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.96%

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 5 points (78 → 83), mostly because the earnings component improved by 16 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202476
Q1 202575
Q2 202578
Q3 202579
Q4 202578
Q1 202682
Q2 202683
Net worth ratio
7.00%9.80%12.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.20%
Q3 202411.38%
Q4 202411.50%
Q1 202511.43%
Q2 202511.66%
Q3 202512.08%
Q4 202512.21%
Q1 202612.24%
Q2 202612.60%
Delinquent loans (60+ days)
0.56%0.68%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.59%
Q3 20240.65%
Q4 20240.80%
Q1 20250.64%
Q2 20250.62%
Q3 20250.71%
Q4 20250.79%
Q1 20260.56%
Q2 20260.70%
Return on assets
1.24%1.52%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.81%
Q3 20241.68%
Q4 20241.43%
Q1 20251.24%
Q2 20251.40%
Q3 20251.54%
Q4 20251.50%
Q1 20261.70%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$825.6M12.60%0.70%1.80%74.1%
Q1 202682$818.0M12.24%0.56%1.70%72.5%
Q4 202578$791.3M12.21%0.79%1.50%73.5%
Q3 202579$775.7M12.08%0.71%1.54%74.3%
Q2 202578$775.2M11.66%0.62%1.40%72.3%
Q1 202575$764.0M11.43%0.64%1.24%71.9%
Q4 202476$738.3M11.50%0.80%1.43%70.0%
Q3 202479$734.8M11.38%0.65%1.68%69.4%
Q2 202480$724.0M11.20%0.59%1.81%72.0%

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 ratio12.60%
65th
Problem loans0.70%
49th
Net charge-offs0.50%
35th
Return on assets1.80%
95th
Loans to deposits74.1%
54th
Uninsured deposits8.4%
26th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
51st

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Meridian Trust Federal Credit UnionCredit union Cheyenne, WY74 out of 100, Strong$730.5M12.9%0.82%vs
Trona Valley Community Federal Credit UnionCredit union Green River, WY83 out of 100, Strong$470.1M14.2%0.75%vs
Wyhy Federal Credit UnionCredit union Cheyenne, WY47 out of 100, Below average$409.0M13.4%4.42%vs
Western Vista Federal Credit UnionCredit union Cheyenne, WY62 out of 100, Moderate$280.8M9.3%0.68%vs
Campco Federal Credit UnionCredit union Gillette, WY77 out of 100, Strong$227.6M11.5%0.45%vs
Grand Altitude Federal Credit UnionCredit union Lander, WY85 out of 100, Very strong$222.3M13.8%0.23%vs

Deposit insurance

Is my money safe at Uniwyo Federal Credit Union?

Yes. Uniwyo Federal Credit Union is a federally insured credit union (NCUA charter #9089). 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 8.4% of shares and deposits ($60.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Uniwyo Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Uniwyo Federal Credit Union reported 544 home-loan applications under HMDA (LEI 549300J5YB46ZKVUNF26): 387 originated ($42,865,000 total), 82 denied, and 73 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.4%, 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
Uniwyo Federal Credit Union
Type
Federal credit union
NCUA charter #
9089
RSSD ID
111483
Primary regulator
NCUA
Established
1953
Headquarters
2020 E Grand Ave, Laramie, WY 82070
Employees
127

Quick answers

Uniwyo Federal Credit Union: common questions

Is Uniwyo Federal Credit Union NCUA insured?

Yes. Uniwyo Federal Credit Union is a federally insured credit union (NCUA charter #9089). 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 Uniwyo Federal Credit Union's TellerScore?

83 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 Uniwyo Federal Credit Union have?

3 offices as of the latest NCUA data.