Federal credit union · Cheyenne, Wyoming · NCUA charter #7307
Cheyenne-laramie County Employees
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $31.6M
- Total assets
- 1,886
- Members
- 12.6%
- Net-worth ratio
Cheyenne-laramie County Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7307, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Cheyenne-laramie County Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)87
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)51
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.60% | 30% |
| Delinquency Rate | 0.83% | 25% |
| Return on Assets | 1.98% | 15% |
| Member Growth | -5.61% | 15% |
| Loan-to-Share Ratio | 18.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $31.6M | 1,886 |
| 2024Q4 | $29.4M | 1,998 |
| 2023Q4 | $29.7M | 2,066 |
Credit Union Details
- Charter Number
- 7307
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Wyoming
- City
- Cheyenne
- Data Quarter
- 2025Q4
What This Data Says About Cheyenne-laramie County Employees
1,886 members and $31.6M in total assets sit behind Cheyenne-laramie County Employees, a federal credit union in Cheyenne, Wyoming, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $4.8M in outstanding loans as of Q4 2025 and a net worth ratio of 12.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #7307 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.83% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 18.05% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.98% on net income of $625K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.61%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cheyenne-laramie County Employees financially healthy?
Cheyenne-laramie County Employees has a financial health score of 74/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.60% and delinquency rate of 0.83%.
How does Cheyenne-laramie County Employees compare to other credit unions?
Cheyenne-laramie County Employees scores 74/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Cheyenne-laramie County Employees?
Cheyenne-laramie County Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Cheyenne-laramie County Employees directly for the current list of qualifying groups.
Is my money safe at Cheyenne-laramie County Employees?
Federal credit unions like Cheyenne-laramie County Employees 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. Cheyenne-laramie County Employees's net worth ratio of 12.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cheyenne-laramie County Employees offer compared to banks?
Credit unions like Cheyenne-laramie County Employees 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 Cheyenne-laramie County Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.