Wyoming Credit Unions

Member engagement showed mixed signals in Q4 2025. Member growth decelerated to 0.34% from 0.41% quarter-over-quarter and dropped significantly from 8.58% year-over-year, indicating mounting membership acquisition challenges. Despite this deceleration, Wyoming credit unions maintained growth momentum well above the national decline of -0.69%, suggesting relative market strength.

Profitability faced quarterly headwinds but demonstrated annual resilience. ROA decreased to 1.13% from 1.20% quarter-over-quarter but increased from 1.02% year-over-year. NIM remained stable at 3.92% both quarterly and annually. With ROA 40 basis points above national benchmarks, Wyoming credit unions maintained strong earnings despite short-term margin pressures.

Growth metrics accelerated impressively in Q4 2025. Loan growth accelerated to 4.48% from 1.82% quarter-over-quarter, while deposit growth accelerated to 5.44% from 4.99%. Asset growth accelerated to 6.07% from 5.78% quarterly, though decelerated from 7.27% year-over-year. All growth rates significantly outpaced national benchmarks, demonstrating strong market expansion.

Risk metrics showed mixed quarterly improvement with annual deterioration. Delinquencies decreased to 0.82% from 0.87% quarter-over-quarter but increased from 0.74% year-over-year. Net worth strengthened to 11.76% from 11.69% quarterly and 11.27% annually. Credit quality remains manageable at 8 basis points below national delinquency rates.

Portfolio composition shifted toward certificates with concentration increasing to 26.48% from 26.03% quarterly and 25.60% annually. Indirect auto lending remained stable at 19.29%, significantly above the 7.78% national average. First mortgage exposure increased to 18.88% quarterly but remained below the 21.97% national benchmark, indicating conservative mortgage positioning.