UNIWYO

Charter #9089 | WY

750M-1B (112 CUs) Community (281 CUs)
1 750M-1B in WY

UNIWYO has 7 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.4% in tier
  • + Relationship Depth Leader: Top 26.0% in tier
  • + Wallet Share Momentum: Top 32.5% in tier
  • + ROA 0.83% above tier average
  • + Net Interest Margin 0.26% above tier average
  • + Strong member growth: 5.8% YoY
  • + Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 8.8% in tier
  • - Growth-at-Risk: Bottom 12.0% in tier
  • - Indirect Auto Dependency: Bottom 12.5% in tier
  • - Credit Quality Pressure: Bottom 22.3% in tier
  • - Liquidity Overhang: Bottom 30.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 60,086
+5.8% YoY+1.6% QoQ
 +8.0K 52,114
-2.1% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 70th in tier
Assets $775.7M
+5.6% YoY+0.1% QoQ
 $-83.3M $859.0M
+0.0% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 Bottom 16.1% in tier
Loans $504.4M
+11.9% YoY+2.5% QoQ
 $-99.0M $603.4M
+1.0% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 Bottom 18.8% in tier
Deposits $678.8M
+4.5% YoY-0.3% QoQ
 $-55.4M $734.2M
+0.9% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 22.3% in tier
ROA 1.5%
-8.9% YoY+9.3% QoQ
 +0.8% 0.7%
+27.6% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 Top 8.9% in tier
NIM 3.6%
+8.6% YoY+1.8% QoQ
 +0.3% 3.4%
+9.6% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 62.1%
-1.1% YoY-2.6% QoQ
 -12.5% 74.5%
-3.2% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 Bottom 14.3% in tier
Delinquency Rate 0.7%
+10.1% YoY+15.7% QoQ
 -0.1 0.8%
+5.0% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 74.3%
+7.0% YoY+2.8% QoQ
 -8.4% 82.7%
+0.1% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 Bottom 24.1% in tier
AMR $19,692
+1.7% YoY-0.7% QoQ
 $-9K $28,651
+2.5% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 Bottom 10.7% in tier
CD Concentration 29.7%
+0.4% YoY+0.4% QoQ
 +5.3% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 69th in tier
Indirect Auto % 36.0%
+14.1% YoY+0.1% QoQ
 +22.1% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 Top 11.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#82 of 603 • Top 4.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.54%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 36.04%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#718 of 1006 • Top 26.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.66%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#895 of 1006 • Top 32.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.66%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Margin Compression

decline
#38 of 136 • Bottom 8.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.54%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.15% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $775.67M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Growth-at-Risk

risk
#181 of 446 • Bottom 12.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.90%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#201 of 525 • Bottom 12.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.56%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 36.04%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 5.80%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk
#552 of 736 • Bottom 22.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk
#474 of 552 • Bottom 30.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.08%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 74.31%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 112 peers in tier

Top Strengths (5 metrics)

10
Return on Assets (ROA)
profitability
Value: 1.54%
Peer Avg: 0.71%
#10 of 112 Top 8.0% in 750M-1B tier
12
Member Growth Rate
growth
Value: 5.80%
Peer Avg: 1.14%
#12 of 112 Top 9.8% in 750M-1B tier
13
Members Per Employee (MPE)
engagement
Value: 488.504
Peer Avg: 361.634
#13 of 112 Top 10.7% in 750M-1B tier
17
Efficiency Ratio
profitability
Value: 62.07%
Peer Avg: 74.52%
#17 of 112 Top 14.3% in 750M-1B tier
17
Loan Growth Rate
growth
Value: 11.90%
Peer Avg: 4.84%
#17 of 112 Top 14.3% in 750M-1B tier

Top Weaknesses (7 metrics)

101
Loan-to-Member Ratio (LMR)
engagement
Value: $8,395
Peer Avg: $12,810
#101 of 112 Bottom 10.7% in 750M-1B tier
100
Average Member Relationship (AMR)
engagement
Value: $19,692
Peer Avg: $28,651
#100 of 112 Bottom 11.6% in 750M-1B tier
98
Indirect Auto Concentration (%)
balance_sheet
Value: 36.04%
Peer Avg: 16.60%
#98 of 112 Bottom 13.4% in 750M-1B tier
94
Total Assets
balance_sheet
Value: $775.67M
Peer Avg: $859.01M
#94 of 112 Bottom 17.0% in 750M-1B tier
91
Total Loans
balance_sheet
Value: $504.41M
Peer Avg: $603.36M
#91 of 112 Bottom 19.6% in 750M-1B tier
87
Total Deposits
balance_sheet
Value: $678.82M
Peer Avg: $734.17M
#87 of 112 Bottom 23.2% in 750M-1B tier
85
Loan-to-Share Ratio
balance_sheet
Value: 74.31%
Peer Avg: 82.66%
#85 of 112 Bottom 25.0% in 750M-1B tier