Federal credit union · GUERNSEY, Wyoming · NCUA charter #9501
Guernsey Community
Health score 54/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $1.8M
- Total assets
- 260
- Members
- 21.1%
- Net-worth ratio
Guernsey Community scores 54/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.8M; members 260; net-worth ratio 21.12%; health rank #4,198 of 4,374; healthier than 4th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,198 of 4,374 health · 2025Q4Guernsey Community · health 54/100 · $1.8M · 2025Q4
Call Report peers
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Guernsey Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Guernsey Community sits in 50-54 with 82 others.
54 4th percentile higher than 4% 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
Where Guernsey Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 105.12% vs peer 52.70% (+52.42 pp).
- Delinquency Rate trails the peer set - 14.20% here, 4.48% peer average (+9.72 pp).
Where Guernsey Community sits in Wyoming
- Health composite ranks #18 of 18 among scored Wyoming credit unions.
- By total assets, Guernsey Community is #18 of 18 in Wyoming.
- Membership ranks #18 of 18 among Wyoming CUs with a reported count (260 members).
- No scored Wyoming credit union ranks lower; the next one up, BLUE (#17) scores 65/100, 11 points higher.
Quarter path for Guernsey Community
Guernsey Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $1.8M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted +0.57 pp (20.55% → 21.12%).
At 21.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 54/100 score is built
Guernsey Community gives up 46 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.0 pts
Guernsey Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.12% | -1.81 pp |
| Delinquency Rate | 14.20% | +9.72 pp |
| Return on Assets | 1.95% | +1.73 pp |
| Member Growth | -9.09% | - |
| Loan-to-Share Ratio | 105.12% | +52.42 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Call Report history - Guernsey Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.8M | - |
| 2025Q4 | $1.8M | 260 |
| 2024Q4 | $1.8M | 286 |
| 2023Q4 | $1.8M | 298 |
Credit Union Details
- Charter Number
- 9501
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Wyoming
- City
- GUERNSEY
- Data Quarter
- 2025Q4
Branch Location
Guernsey Community operates a single office in Guernsey, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Guernsey, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wyoming
More federally-insured credit unions based in Wyoming, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- Guernsey Community ranks #4,198 of 4,374 nationally on financial health and #18 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Powell Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Powell Schools
Frequently Asked Questions
Is Guernsey Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Guernsey Community scores 54/100 (Fair), with a 21.12% net worth ratio and 14.20% of loans delinquent. It ranks #4,198 of 4,374 nationally on health and #18 of 18 in Wyoming.
How does Guernsey Community compare to other credit unions?
Guernsey Community scores 54/100, higher than 4% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (105.12% vs 52.70%). Its widest shortfall is delinquency rate (14.20% vs 4.48%).
How can I join Guernsey Community?
Guernsey Community 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 Guernsey Community directly for the exact boundaries and application steps.
Is my money safe at Guernsey Community?
Guernsey Community is a federal credit union; its shares are federally 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. Guernsey Community's net worth ratio of 21.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.