Federal credit union · Cheyenne, Wyoming · NCUA charter #7361
BLUE
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $2.17B
- Total assets
- 142,466
- Members
- 8.7%
- Net-worth ratio
BLUE scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.17B; members 142,466; net-worth ratio 8.68%; health rank #3,889 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,889 of 4,374 health · 2025Q4BLUE · health 65/100 · $2.17B · 2025Q4
- MEM 65/100
- RANK 8.7%
- PHOTO 1.22%
- BOOK -0.48%
- CHARTER $2.17B
- NCUSIF 142,466
- CAMELS #3,889/4,374
- HEALTH Lbs Financial
- NW 7361
Call Report peers
BLUE in the assets neighbourhood
BLUE's $2.17B assets sit next to Lbs Financial ($2.17B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BLUE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
BLUE - Share Insurance Coverage
Charter #7361's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where BLUE diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 99.78% here, 83.90% peer average (+15.88 pp).
- Largest lag: Net Worth Ratio at 8.68% vs peer 11.18% (-2.50 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
BLUE: in-state Call Report ranks
- Health composite ranks #17 of 18 among scored Wyoming credit unions.
- Wyoming assets place: #1 of 18.
- Wyoming membership ordinal: #1 of 18.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How BLUE's 5300 filing moved
BLUE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $2.17B (2025Q4) to $2.24B (2026Q1).
- Net-worth ratio shifted -0.13 pp (8.81% → 8.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 18.4 pts
- Return on Assets 0.1 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 10.2 pts
Call Report ratios for BLUE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.68% | -2.50 pp |
| Delinquency Rate | 1.22% | +0.34 pp |
| Return on Assets | -0.48% | -0.99 pp |
| Member Growth | 0.48% | - |
| Loan-to-Share Ratio | 99.78% | +15.88 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.24B | - |
| 2025Q4 | $2.17B | 142,466 |
| 2024Q4 | $2.13B | 141,787 |
| 2023Q4 | $1.88B | 119,777 |
Credit Union Details
- Charter Number
- 7361
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Wyoming
- City
- Cheyenne
- Data Quarter
- 2025Q4
Branch Locations (28)
The NCUA branch filing lists 28 physical offices for BLUE, spread across 17 cities in 2 states.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Cheyenne, WY |
| Arapahoe Avenue Branch | Boulder, CO |
| 119th Avenue Branch | Broomfield, CO |
| Huron Street Branch | Broomfield, CO |
| Center Branch | Center, CO |
| 7th Avenue Branch | Cheyenne, WY |
| F.E. Warren Air Force Base Branch | Cheyenne, WY |
| Yellowstone Road Branch | Cheyenne, WY |
| Dell Range Blvd Branch | Cheyenne, WY |
| South Greeley Highway Branch | Cheyenne, WY |
| Blue Diamond Center Branch | Cheyenne, WY |
| Cascade Branch | Colorado Springs, CO |
| Dublin Branch | Colorado Springs, CO |
| Crestone Branch | Crestone, CO |
| Yale Avenue Branch | Denver, CO |
| Vista Ridge Branch | Erie, CO |
| Boardwalk Drive Branch | Fort Collins, CO |
| Old Town Branch | Fort Collins, CO |
| Drake Road Branch | Fort Collins, CO |
| Agate Ave Branch | Granby, CO |
| Highway 287 Branch | Lafayette, CO |
| UW Plaza Branch | Laramie, WY |
| Grand Ave at Ridley's | Laramie, WY |
| Sculptor Drive Branch | Loveland, CO |
| Pueblo Branch | Pueblo, CO |
| Salida Branch | Salida, CO |
| Superior Marketplace Branch | Superior, CO |
| 5th Street Branch | Wellington, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
A look at other Wyoming credit unions, ranked by how closely their peer group and asset size match this one.
BLUE nationwide neighbourhoods
Two NCUA Call Report peer sets for BLUE, both outside Wyoming so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- BLUE ranks #3,889 of 4,374 nationally on financial health and #17 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- UNIWYO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with UNIWYO
- Rates and health both vary by institution, not just by state -- see how Wyoming credit unions compare overall before assuming this one is typical. Wyoming state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is BLUE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, BLUE carries a financial health score of 65/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,889 of 4,374; by total assets it ranks #240 of 4,374 nationally (same basis as /rankings/largest); and #1 of 18 within Wyoming. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.68% net worth ratio and a 1.22% delinquency rate.
How does BLUE compare to other credit unions?
PlainCU's health composite puts BLUE at 65/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join BLUE?
BLUE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact BLUE directly for the exact boundaries and application steps.
Is my money safe at BLUE?
Federal credit unions like BLUE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BLUE's net worth ratio of 8.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does BLUE offer compared to banks?
Credit unions like BLUE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact BLUE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.