Federal credit union · Sheridan, Wyoming · NCUA charter #4374
Sheridan Community
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $96.0M
- Total assets
- 6,060
- Members
- 10.9%
- Net-worth ratio
Sheridan Community - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4374. See our deposit-insurance coverage note.
Sheridan Community - 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)72
- Earnings (ROA)100
- Member growth31
- Liquidity (loan-to-share)64
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.93% | 30% |
| Delinquency Rate | 1.28% | 25% |
| Return on Assets | 0.86% | 15% |
| Member Growth | -2.40% | 15% |
| Loan-to-Share Ratio | 102.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $96.0M | 6,060 |
| 2024Q4 | $86.0M | 6,209 |
| 2023Q4 | $80.6M | 6,514 |
Credit Union Details
- Charter Number
- 4374
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Wyoming
- City
- Sheridan
- Data Quarter
- 2025Q4
What This Data Says About Sheridan Community
Headquartered in Sheridan, Wyoming, Sheridan Community is a federal credit union with 6,060 members, $96.0M in total assets, and $87.4M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 10.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #4374 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.28% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 102.38% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.86% on net income of $827K 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 -2.40%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
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 Sheridan Community financially healthy?
Sheridan Community scores 77/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.93% net worth ratio and a 1.28% delinquency rate.
How does Sheridan Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Sheridan Community's 77/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Sheridan Community?
Sheridan 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 Sheridan Community directly for the exact boundaries and application steps.
Is my money safe at Sheridan Community?
Federal credit unions like Sheridan 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. Sheridan Community's net worth ratio of 10.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sheridan Community offer compared to banks?
Credit unions like Sheridan 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 Sheridan Community 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.