TellerScore

Western Vista Federal Credit Union is a federal credit union headquartered in Cheyenne, Wyoming, in business for about 86 years. At the end of Q2 2026 it reported $280.8M in total assets and $235.3M in member shares and deposits, with 4 offices.

Western Vista 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 12th. Problem-loan coverage contributes the most (89/100, 5.4%); capital cushion contributes the least (43/100, 9.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.35%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity73/100
Loans ÷ shares: 87.7% · 6.6% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.38%

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 6 points (56 → 62), mostly because the earnings component improved by 20 points.

TellerScore
525864Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202458
Q4 202458
Q1 202555
Q2 202556
Q3 202557
Q4 202555
Q1 202664
Q2 202662
Net worth ratio
7.00%8.34%9.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.07%
Q3 20249.39%
Q4 20249.53%
Q1 20259.69%
Q2 20259.41%
Q3 20259.37%
Q4 20259.17%
Q1 20269.24%
Q2 20269.35%
Delinquent loans (60+ days)
0.54%0.84%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.94%
Q3 20240.74%
Q4 20240.79%
Q1 20250.80%
Q2 20250.81%
Q3 20250.93%
Q4 20251.15%
Q1 20260.54%
Q2 20260.68%
Return on assets
0.01%0.45%0.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.50%
Q4 20240.50%
Q1 20250.01%
Q2 20250.25%
Q3 20250.43%
Q4 20250.48%
Q1 20260.88%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$280.8M9.35%0.68%0.75%87.7%
Q1 202664$279.3M9.24%0.54%0.88%88.3%
Q4 202555$274.6M9.17%1.15%0.48%87.5%
Q3 202557$264.6M9.37%0.93%0.43%88.4%
Q2 202556$258.0M9.41%0.81%0.25%93.4%
Q1 202555$247.2M9.69%0.80%0.01%95.4%
Q4 202458$251.3M9.53%0.79%0.50%95.1%
Q3 202458$252.8M9.39%0.74%0.50%98.1%
Q2 202452$255.1M9.07%0.94%0.26%101.8%

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 ratio9.35%
17th
Problem loans0.68%
50th
Net charge-offs0.59%
27th
Return on assets0.75%
51st
Loans to deposits87.7%
21st
Uninsured deposits6.6%
44th
Loan-loss reserves0.00%
50th
Texas ratio5.4%
36th

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
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
Sunlight Federal Credit UnionCredit union Cody, WY31 out of 100, Low$210.6M10.3%7.34%vs
Wyhy Federal Credit UnionCredit union Cheyenne, WY47 out of 100, Below average$409.0M13.4%4.42%vs
Stagepoint Federal Credit UnionCredit union Laramie, WY62 out of 100, Moderate$131.0M8.5%0.14%vs
Sheridan Community Federal Credit UnionCredit union Sheridan, WY65 out of 100, Moderate$105.0M10.8%1.42%vs

Deposit insurance

Is my money safe at Western Vista Federal Credit Union?

Yes. Western Vista Federal Credit Union is a federally insured credit union (NCUA charter #3972). 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 6.6% of shares and deposits ($15.5M) 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 9.35%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Western Vista Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Western Vista Federal Credit Union
Type
Federal credit union
NCUA charter #
3972
RSSD ID
320575
Primary regulator
NCUA
Established
1940
Headquarters
Po Box 20105, Cheyenne, WY 82003
Employees
65

Quick answers

Western Vista Federal Credit Union: common questions

Is Western Vista Federal Credit Union NCUA insured?

Yes. Western Vista Federal Credit Union is a federally insured credit union (NCUA charter #3972). 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 Western Vista 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 Western Vista Federal Credit Union have?

4 offices as of the latest NCUA data.