Federal credit union · Laramie, Wyoming · NCUA charter #687
STAGEPOINT
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $129.4M
- Total assets
- 8,933
- Members
- 8.6%
- Net-worth ratio
STAGEPOINT scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $129.4M; members 8,933; net-worth ratio 8.55%; health rank #2,026 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,026 of 4,374 health · 2025Q4STAGEPOINT · health 85/100 · $129.4M · 2025Q4
- MEM 85/100
- RANK 8.6%
- PHOTO 0.24%
- BOOK 0.51%
- CHARTER $129.4M
- NCUSIF 8,933
- CAMELS #2,026/4,374
- HEALTH Community One Credit Union of Ohio
- NW 687
Call Report peers
STAGEPOINT in the assets neighbourhood
STAGEPOINT's $129.4M assets sit next to Community One Credit Union of Ohio ($129.3M) 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.
STAGEPOINT 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
85 Top 46% higher than 54% 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
STAGEPOINT - Share Insurance Coverage
Charter #687's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
STAGEPOINT: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.83% here, 72.20% peer average (+16.63 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.56 pp (8.55% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
STAGEPOINT: in-state Call Report ranks
- Health composite ranks #11 of 18 among scored Wyoming credit unions.
- By total assets, STAGEPOINT is #10 of 18 in Wyoming.
- Member book place in Wyoming: #9 of 18.
In-state ordinals use the live credit_unions table for WY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
STAGEPOINT Call Report trajectory
STAGEPOINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $129.4M (2025Q4) to $128.9M (2026Q1).
- Net-worth ratio shifted +0.23 pp (8.32% → 8.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.55% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.6 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for STAGEPOINT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.55% | -3.56 pp |
| Delinquency Rate | 0.24% | -0.65 pp |
| Return on Assets | 0.51% | -0.11 pp |
| Member Growth | -2.98% | - |
| Loan-to-Share Ratio | 88.83% | +16.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
STAGEPOINT quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $128.9M | - |
| 2025Q4 | $129.4M | 8,933 |
| 2024Q4 | $114.3M | 9,207 |
| 2023Q4 | $81.9M | 6,138 |
Credit Union Details
- Charter Number
- 687
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Wyoming
- City
- Laramie
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for STAGEPOINT, spread across 2 cities.
| Office | City |
|---|---|
| Main (Main Office) | Laramie, WY |
| Casper Downtown | Casper, WY |
| Casper West | Casper, WY |
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.
STAGEPOINT nationwide neighbourhoods
Two NCUA Call Report peer sets for STAGEPOINT, 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 ($129.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- STAGEPOINT ranks #2,026 of 4,374 nationally on financial health and #11 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grand Altitude is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grand Altitude
- 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 STAGEPOINT financially healthy?
A 8.55% net worth ratio and a 0.24% delinquency rate feed into STAGEPOINT's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,026 of 4,374; by total assets it ranks #1,607 of 4,374 nationally (same basis as /rankings/largest); and #10 of 18 within Wyoming. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does STAGEPOINT compare to other credit unions?
PlainCU's health composite puts STAGEPOINT at 85/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 STAGEPOINT?
STAGEPOINT 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 STAGEPOINT directly for the exact boundaries and application steps.
Is my money safe at STAGEPOINT?
Federal credit unions like STAGEPOINT 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. STAGEPOINT's net worth ratio of 8.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does STAGEPOINT offer compared to banks?
Credit unions like STAGEPOINT 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 STAGEPOINT 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.