Wyoming Credit Unions

Member engagement strengthened significantly in Q3 2025, with member growth accelerating to 0.41% from 0.20% in the prior quarter. This positive momentum contrasts sharply with the national member decline of -0.61%, positioning Wyoming credit unions 1.02 percentage points above the industry benchmark and demonstrating effective member retention and acquisition strategies.

Profitability metrics showed robust improvement across both timeframes. ROA increased to 1.20% from 1.14% quarter-over-quarter and surged from 0.97% year-over-year, now 42 basis points above national levels. NIM similarly strengthened to 3.93% from 3.87% quarterly and 3.85% annually, maintaining a healthy 20 basis point premium over the national 3.72% benchmark.

Growth momentum accelerated significantly in Q3 2025, with asset growth reaching 5.78% from 5.06% in the prior quarter, substantially outpacing the national 2.54% rate. Deposit growth accelerated to 4.99% from 4.30% quarterly, while loan growth reached 1.82% versus 1.74% last quarter, both significantly exceeding national benchmarks of 2.32% and 0.20% respectively.

Risk metrics showed some deterioration as delinquencies increased to 0.87% from 0.75% quarter-over-quarter and 0.64% year-over-year, though remaining close to the national 0.85% level. Net worth strengthened to 11.69% from 11.53% quarterly and 11.00% annually, but remains 1.99 percentage points below the national 13.68% benchmark, indicating room for capital improvement.

Portfolio composition shifted toward higher-yielding assets with certificate concentrations rising 2.03 percentage points year-over-year to 26.03%, significantly above the national 19.60%. Indirect auto lending at 19.57% remains substantially elevated versus the national 7.90%, while first mortgage concentration of 18.63% trails the national 21.76%, reflecting a focus on consumer lending products.