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
- HEALTH 54/100
- NW 21.1%
- DELQ 14.20%
- ROA 1.95%
- ASSETS $1.8M
- MEM 260
- RANK #4,198/4,374
- PHOTO n/a
- BOOK 9501
Call Report peers
Guernsey Community carries $1.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Guernsey Community 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
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
Guernsey Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #9501 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Guernsey Community
Guernsey Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $1.8M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted +0.57 pp (20.55% → 21.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 54.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
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
Two NCUA Call Report peer sets for Guernsey Community, both outside Wyoming so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (54/100 here).
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
- 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 Guernsey Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Guernsey Community carries a financial health score of 54/100 (Fair). On the national health ranking (same basis as /rankings/healthiest), it sits at #4,198 of 4,374; by total assets it ranks #4,147 of 4,374 nationally (same basis as /rankings/largest); and #18 of 18 within Wyoming. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.12% net worth ratio and a 14.20% delinquency rate.
How does Guernsey Community compare to other credit unions?
Guernsey Community scores 54/100 on PlainCU's health composite, compared to a peer group average for Under $2M 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 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?
Federal credit unions like Guernsey Community 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. Guernsey Community's net worth ratio of 21.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Guernsey Community offer compared to banks?
Credit unions like Guernsey Community 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 Guernsey Community 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.