BlastPoint's Credit Union Scorecard

CHEYENNE-LARAMIE COUNTY EMPLOYEES

Charter #7307 · WY

<100M

2508 CUs in <100M nationally 7 in WY

CHEYENNE-LARAMIE COUNTY EMPLOYEES has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.47% above tier average
+ AMR Growth Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Member decline: -5.2% YoY
- Loan-to-Share Ratio: Bottom 4.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	1,875 -5.2% YoY-0.6% QoQ	-801	2,676 +1.6% YoY	21,934 +2.5% YoY	33,913 +5.7% YoY	49%
Assets	$32.0M +6.7% YoY+1.4% QoQ	+$1.8M	$30.2M +1.3% YoY	$341.2M +5.8% YoY	$578.3M +9.0% YoY	61%
Loans	$4.8M +9.1% YoY-0.3% QoQ	$-10.5M	$15.3M -2.0% YoY	$250.8M +3.8% YoY	$402.4M +8.7% YoY	34%
Deposits	$27.1M +6.3% YoY+1.2% QoQ	+$1.3M	$25.8M +0.7% YoY	$290.8M +4.6% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +8.2% YoY+17.8% QoQ	+1.5%	0.1% -77.6% YoY	1.0% -6.8% YoY	0.4% -39.2% YoY	Top 12.6% in tier
NIM	3.7% -4.9% YoY+0.4% QoQ	-0.4%	4.0% +4.0% YoY	3.9% -0.5% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	63.4% -4.1% YoY-6.5% QoQ	-27.2%	90.6% +6.5% YoY	73.8% +4.7% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.7% -31.3% YoY-14.6% QoQ	-0.8	1.5% +3.8% YoY	1.7% +17.4% YoY	1.2% +3.4% YoY	53%
Loan To Share	17.8% +2.6% YoY-1.5% QoQ	-40.7%	58.5% -3.0% YoY	76.1% -2.5% YoY	65.6% -1.4% YoY	Bottom 4.0% in tier
AMR	$17,005 +12.5% YoY+1.6% QoQ	+$2K	$14,884 -1.7% YoY	$23,399 +4.1% YoY	$19,920 +1.6% YoY	66%
CD Concentration	6.6% +8.8% YoY+7.4% QoQ	-17.7%	24.3%	26.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	19.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

163

AMR Growth Rate

growth

Value: 12.48%

Peer Median: 1.27%

#163 of 2508 Top 6.5% in <100M tier

289

Loan Growth Rate

growth

Value: 9.06%

Peer Median: -2.36%

#289 of 2508 Top 11.5% in <100M tier

315

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: 0.61%

#315 of 2508 Top 12.5% in <100M tier

400

Asset Growth Rate

growth

Value: 6.73%

Peer Median: 1.30%

#400 of 2508 Top 15.9% in <100M tier

404

Efficiency Ratio

profitability

Value: 63.43%

Peer Median: 81.45%

#404 of 2508 Top 16.1% in <100M tier

410

Fee Income Per Member

profitability

Value: $131.93

Peer Median: $60.42

#410 of 2508 Top 16.3% in <100M tier

456

Members Per Employee (MPE)

engagement

Value: 468.750

Peer Median: 333.750

#456 of 2508 Top 18.1% in <100M tier

457

Deposit Growth Rate

growth

Value: 6.26%

Peer Median: 0.66%

#457 of 2508 Top 18.2% in <100M tier

Top Weaknesses (3 metrics)

2405

Loan-to-Share Ratio

balance_sheet

Value: 17.78%

Peer Median: 58.72%

#2405 of 2508 Bottom 4.1% in <100M tier

2099

Member Growth Rate

growth

Value: -5.16%

Peer Median: -1.37%

#2099 of 2508 Bottom 16.3% in <100M tier

2018

Loan-to-Member Ratio (LMR)

engagement

Value: $2,567

Peer Median: $4,923

#2018 of 2508 Bottom 19.6% in <100M tier