WYHY

Charter #9094 | WY

100M-500M (1077 CUs) Micro
7 100M-500M in WY

WYHY has 4 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.7% in tier
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.73% above tier average
  • + Total Loans: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.9% in tier
  • - Indirect Auto Dependency: Bottom 14.1% in tier
  • - Liquidity Overhang: Bottom 28.7% in tier
  • - Delinquency rate 1.82% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 22,721
+2.1% YoY+0.9% QoQ
 +7.1K 15,628
-3.4% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 Top 17.5% in tier
Assets $400.1M
+4.3% YoY-0.3% QoQ
 +$168.8M $231.3M
-0.0% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 Top 10.5% in tier
Loans $296.8M
+0.3% YoY+2.0% QoQ
 +$149.0M $147.8M
-1.4% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 6.7% in tier
Deposits $343.3M
+3.3% YoY-0.8% QoQ
 +$143.0M $200.3M
-0.0% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 Top 11.1% in tier
ROA 1.2%
+7.6% YoY+5.1% QoQ
 +0.4% 0.8%
+15.5% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 Top 22.6% in tier
NIM 4.3%
+1.9% YoY+3.0% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 Top 13.5% in tier
Efficiency Ratio 66.9%
-3.0% YoY-0.6% QoQ
 -10.4% 77.3%
-3.0% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 Bottom 18.2% in tier
Delinquency Rate 2.7%
+92.1% YoY+19.1% QoQ
 +1.8 0.9%
+7.6% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 Top 3.2% in tier
Loan To Share 86.5%
-3.0% YoY+2.8% QoQ
 +13.8% 72.7%
-1.5% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 22.1% in tier
AMR $28,172
-0.2% YoY-0.5% QoQ
 +$4K $24,363
+2.9% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 Top 22.3% in tier
CD Concentration 35.8%
-0.0% YoY-4.0% QoQ
 +11.4% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 32.9%
+5.3% YoY+2.0% QoQ
 +18.9% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#343 of 603 • Top 18.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.06%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.19%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 32.85%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk
#24 of 736 • Bottom 0.9% in tier

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

Why This Signature
Delinquency Change (YoY): 1.29% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#227 of 525 • Bottom 14.1% in tier

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

Why This Signature
Asset Growth (YoY): 4.30%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.85%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.06%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#444 of 552 • Bottom 28.7% 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: 13.44%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.46%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

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 1077 peers in tier

Top Strengths (12 metrics)

72
Total Loans
balance_sheet
Value: $296.80M
Peer Avg: $147.80M
#72 of 1077 Top 6.6% in 100M-500M tier
113
Total Assets
balance_sheet
Value: $400.08M
Peer Avg: $231.30M
#113 of 1077 Top 10.4% in 100M-500M tier
120
Total Deposits
balance_sheet
Value: $343.29M
Peer Avg: $200.29M
#120 of 1077 Top 11.0% in 100M-500M tier
145
Net Interest Margin (NIM)
profitability
Value: 4.31%
Peer Avg: 3.58%
#145 of 1077 Top 13.4% in 100M-500M tier
186
Loan-to-Member Ratio (LMR)
engagement
Value: $13,063
Peer Avg: $10,245
#186 of 1077 Top 17.2% in 100M-500M tier
188
Total Members
engagement
Value: 22,721
Peer Avg: 15,628
#188 of 1077 Top 17.4% in 100M-500M tier
197
Efficiency Ratio
profitability
Value: 66.91%
Peer Avg: 77.28%
#197 of 1077 Top 18.2% in 100M-500M tier
217
Members Per Employee (MPE)
engagement
Value: 398.614
Peer Avg: 332.881
#217 of 1077 Top 20.1% in 100M-500M tier
238
Loan-to-Share Ratio
balance_sheet
Value: 86.46%
Peer Avg: 72.70%
#238 of 1077 Top 22.0% in 100M-500M tier
240
Average Member Relationship (AMR)
engagement
Value: $28,172
Peer Avg: $24,363
#240 of 1077 Top 22.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1044
Total Delinquency Rate (60+ days)
risk
Value: 2.68%
Peer Avg: 0.86%
#1044 of 1077 Bottom 3.2% in 100M-500M tier
933
Share Certificate Concentration (%)
balance_sheet
Value: 35.78%
Peer Avg: 23.61%
#933 of 1077 Bottom 13.5% in 100M-500M tier
932
Indirect Auto Concentration (%)
balance_sheet
Value: 32.85%
Peer Avg: 13.34%
#932 of 1077 Bottom 13.6% in 100M-500M tier
860
Net Charge-Off Rate
risk
Value: 0.69%
Peer Avg: 0.47%
#860 of 1077 Bottom 20.2% in 100M-500M tier
856
AMR Growth Rate
growth
Value: -0.16%
Peer Avg: 3.64%
#856 of 1077 Bottom 20.6% in 100M-500M tier