TellerScore

Wyhy Federal Credit Union (NCUA charter #9094) is based in Cheyenne, Wyoming. Its Q2 2026 call report shows $409.0M in total assets and $352.7M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Wyhy Federal Credit Union scores 47/100, which we describe as below average. That is higher than only 4% of 1,341 credit unions with $100 million – $1 billion. Among 18 credit unions headquartered in Wyoming, it ranks 17th. Its strongest component is capital cushion (84/100; 13.43%), and its lowest is loan quality (0/100; 4.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.43%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.42%
Earnings30/100
Return on assets (annualized): 0.24%
Funding & liquidity77/100
Loans ÷ shares: 83.4% · 1.8% uninsured
Problem-loan coverage46/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 27.18%

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 13 points (60 → 47), mostly because the earnings component weakened by 35 points.

TellerScore
475868Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202466
Q4 202461
Q1 202560
Q2 202560
Q3 202559
Q4 202555
Q1 202651
Q2 202647
Net worth ratio
7.00%10.29%13.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.49%
Q3 202412.77%
Q4 202412.88%
Q1 202512.89%
Q2 202513.06%
Q3 202513.44%
Q4 202513.57%
Q1 202613.46%
Q2 202613.43%
Delinquent loans (60+ days)
0.96%2.69%4.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.96%
Q3 20241.40%
Q4 20242.02%
Q1 20252.04%
Q2 20252.25%
Q3 20252.68%
Q4 20253.58%
Q1 20264.19%
Q2 20264.42%
Return on assets
0.24%0.71%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20241.10%
Q4 20241.15%
Q1 20250.96%
Q2 20251.12%
Q3 20251.19%
Q4 20251.08%
Q1 20260.56%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202647$409.0M13.43%4.42%0.24%83.4%
Q1 202651$409.6M13.46%4.19%0.56%82.8%
Q4 202555$402.0M13.57%3.58%1.08%85.3%
Q3 202559$400.1M13.44%2.68%1.19%86.5%
Q2 202560$401.4M13.06%2.25%1.12%84.1%
Q1 202560$397.6M12.89%2.04%0.96%83.2%
Q4 202461$390.4M12.88%2.02%1.15%87.1%
Q3 202466$383.6M12.77%1.40%1.10%89.1%
Q2 202468$380.9M12.49%0.96%0.93%90.6%

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 ratio13.43%
73rd
Problem loans4.42%
0th
Net charge-offs1.29%
5th
Return on assets0.24%
13th
Loans to deposits83.4%
33rd
Uninsured deposits1.8%
91st
Loan-loss reserves0.00%
50th
Texas ratio27.2%
1st

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
Trona Valley Community Federal Credit UnionCredit union Green River, WY83 out of 100, Strong$470.1M14.2%0.75%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
Sunlight Federal Credit UnionCredit union Cody, WY31 out of 100, Low$210.6M10.3%7.34%vs
Stagepoint Federal Credit UnionCredit union Laramie, WY62 out of 100, Moderate$131.0M8.5%0.14%vs

Deposit insurance

Is my money safe at Wyhy Federal Credit Union?

Yes. Wyhy Federal Credit Union is a federally insured credit union (NCUA charter #9094). 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 1.8% of shares and deposits ($6.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Wyhy Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Platinum Cash+ Rewards12.90% – 17.15%$0$251.0%
WyHy Visa Platinum11.90% – 16.90%$0$251.0%
WyHy Visa Secured18.00%$0$251.0%

All Wyhy Federal Credit Union card terms

Identity & history

Profile

Legal name
Wyhy Federal Credit Union
Type
Federal credit union
NCUA charter #
9094
RSSD ID
309682
Primary regulator
NCUA
Established
1953
Headquarters
P.O. Box 20050, Cheyenne, WY 82003
Employees
63

Quick answers

Wyhy Federal Credit Union: common questions

Is Wyhy Federal Credit Union NCUA insured?

Yes. Wyhy Federal Credit Union is a federally insured credit union (NCUA charter #9094). 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 Wyhy Federal Credit Union's TellerScore?

47 out of 100 (Below average), 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 Wyhy Federal Credit Union have?

2 offices as of the latest NCUA data.