Federal credit union · Laramie, Wyoming · NCUA charter #9089
UNIWYO
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $791.3M
- Total assets
- 60,527
- Members
- 12.2%
- Net-worth ratio
UNIWYO scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $791.3M; members 60,527; net-worth ratio 12.24%; health rank #178 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#178 of 4,374 health · 2025Q4UNIWYO · health 97/100 · $791.3M · 2025Q4
Call Report peers
UNIWYO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
UNIWYO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); UNIWYO sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
UNIWYO: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +1.06 pp (12.24% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -10.42 pp (73.48% vs 83.90%).
Where UNIWYO sits in Wyoming
- Health composite ranks #2 of 18 among scored Wyoming credit unions.
- Assets rank #2 of 18 inside Wyoming ($791.3M reported).
- Wyoming membership ordinal: #2 of 18.
- One place up in Wyoming, Meridian Trust (#1) ties at 97/100; one place down, CIT-CO (#3) scores 96/100, 1 point lower.
How UNIWYO's 5300 filing moved
UNIWYO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $791.3M (2025Q4) to $818.0M (2026Q1).
- Net-worth ratio shifted +0.03 pp (12.21% → 12.24%).
12.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 97/100 score is built
UNIWYO gives up 3 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
UNIWYO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.24% | +1.06 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 1.34% | +0.83 pp |
| Member Growth | 5.44% | - |
| Loan-to-Share Ratio | 73.48% | -10.42 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $818.0M | - |
| 2025Q4 | $791.3M | 60,527 |
| 2024Q4 | $738.3M | 57,406 |
| 2023Q4 | $715.0M | 56,153 |
Credit Union Details
- Charter Number
- 9089
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Wyoming
- City
- Laramie
- Data Quarter
- 2025Q4
Branch Locations (7)
UNIWYO operates 7 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2020 Grand Branch (Main Office) | Laramie, WY |
| Landmark Branch | Casper, WY |
| Plaza Drive Branch | Casper, WY |
| Cheyenne Branch | Cheyenne, WY |
| Cody Branch | Cody, WY |
| Douglas Branch | Douglas, WY |
| Glenrock Branch | Glenrock, 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.
UNIWYO nationwide neighbourhoods
Using this data
- UNIWYO ranks #178 of 4,374 nationally on financial health and #2 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Meridian Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Meridian Trust
Frequently Asked Questions
Is UNIWYO financially healthy?
UNIWYO has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #178 of 4,374 nationally on health and #2 of 18 in Wyoming. Its net worth ratio is 12.24% and its delinquency rate 0.79%.
How does UNIWYO compare to other credit unions?
UNIWYO scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.24% vs 11.18%). Its widest shortfall is loan-to-share ratio (73.48% vs 83.90%).
How can I join UNIWYO?
UNIWYO 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 UNIWYO directly for the exact boundaries and application steps.
Is my money safe at UNIWYO?
UNIWYO 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. UNIWYO's net worth ratio of 12.24% 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.