Federal credit union · Cheyenne, Wyoming · NCUA charter #7307
Cheyenne-Laramie County Employees
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $31.6M
- Total assets
- 1,886
- Members
- 15.0%
- Net-worth ratio
Cheyenne-Laramie County Employees scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.6M; members 1,886; net-worth ratio 14.98%; health rank #3,323 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,323 of 4,374 health · 2025Q4Cheyenne-Laramie County · health 74/100 · $31.6M · 2025Q4
- HEALTH 74/100
- NW 15.0%
- DELQ 0.83%
- ROA 1.98%
- ASSETS $31.6M
- MEM 1,886
- RANK #3,323/4,374
- PHOTO RIVERFORK
- BOOK 7307
Call Report peers
Cheyenne-Laramie County Employees in the assets neighbourhood
Cheyenne-Laramie County Employees's $31.6M assets sit next to RIVERFORK ($31.6M) 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.
Cheyenne-Laramie County Employees 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
74 23rd percentile higher than 23% 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
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.
Where Cheyenne-Laramie County Employees diverges from peer averages
- Largest favorable gap: Return on Assets at 1.98% vs peer 0.70% (+1.28 pp).
- Largest lag: Loan-to-Share Ratio at 18.05% vs peer 59.80% (-41.75 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wyoming standing for Cheyenne-Laramie County Employees
- Wyoming health ordinal: #14 of 18.
- Wyoming assets place: #15 of 18.
- Membership ranks #16 of 18 among Wyoming CUs with a reported count (1,886 members).
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cheyenne-Laramie County Employees: 2025Q4 → 2026Q1
Cheyenne-Laramie County Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $31.6M (2025Q4) to $32.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (14.80% → 14.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.7 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 7.3 pts
Cheyenne-Laramie County health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.98% | +0.12 pp |
| Delinquency Rate | 0.83% | -0.31 pp |
| Return on Assets | 1.98% | +1.28 pp |
| Member Growth | -5.61% | - |
| Loan-to-Share Ratio | 18.05% | -41.75 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Cheyenne-Laramie County Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.0M | - |
| 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
Branch Locations (2)
Cheyenne-Laramie County Employees operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cheyenne-Laramie County Employees Federal Credit Union (Main Office) | Cheyenne, WY |
| Fiserv Data Vault | Boston, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
Other federally-insured credit unions in Wyoming, closest first by peer group and asset size.
Cross-state Call Report peers for Cheyenne-Laramie County
Two NCUA Call Report peer sets for Cheyenne-Laramie County Employees, 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 ($31.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Cheyenne-Laramie County Employees ranks #3,323 of 4,374 nationally on financial health and #14 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CIT-CO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CIT-CO
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,323 of 4,374; by total assets it ranks #2,814 of 4,374 nationally (same basis as /rankings/largest); and #15 of 18 within Wyoming. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.98% 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 14.98% 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.
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.