Federal credit union · CHEYENNE, Wyoming · NCUA charter #9094
WYHY
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $402.0M
- Total assets
- 22,720
- Members
- 13.5%
- Net-worth ratio
WYHY scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $402.0M; members 22,720; net-worth ratio 13.46%; health rank #3,330 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,330 of 4,374 health · 2025Q4WYHY · health 74/100 · $402.0M · 2025Q4
Call Report peers
WYHY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
WYHY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WYHY sits in 70-74 with 317 others.
74 23rd percentile higher than 23% 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
WYHY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +13.13 pp (85.33% vs 72.20%).
- Delinquency Rate trails the peer set - 3.58% here, 0.89% peer average (+2.69 pp).
Where WYHY sits in Wyoming
- In Wyoming, health place is #15 of 18 on the same NCUA-ratio sort used nationally.
- Assets rank #5 of 18 inside Wyoming ($402.0M reported).
- Wyoming membership ordinal: #5 of 18.
- One place up in Wyoming, Cheyenne-Laramie County Employees (#14) ties at 74/100; one place down, Powell Schools (#16) scores 73/100, 1 point lower.
Quarter path for WYHY
WYHY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $402.0M (2025Q4) to $409.6M (2026Q1).
- Net-worth ratio shifted -0.11 pp (13.57% → 13.46%).
At 13.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
WYHY gives up 26 points in total. Delinquency Rate costs the most, 22.4 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 2.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 14.8 pts
WYHY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.46% | +1.35 pp |
| Delinquency Rate | 3.58% | +2.69 pp |
| Return on Assets | 1.12% | +0.49 pp |
| Member Growth | 2.20% | - |
| Loan-to-Share Ratio | 85.33% | +13.13 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
WYHY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $409.6M | - |
| 2025Q4 | $402.0M | 22,720 |
| 2024Q4 | $390.4M | 22,232 |
| 2023Q4 | $378.8M | 21,948 |
Credit Union Details
- Charter Number
- 9094
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Wyoming
- City
- CHEYENNE
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, WYHY runs 5 offices in 5 different cities.
| Office | City |
|---|---|
| Cheyenne Office (Main Office) | Cheyenne, WY |
| Casper Office | Casper, WY |
| Commerce Office | Green River, WY |
| Lyman Office | Lyman, WY |
| Rock Springs Office | Rock Springs, WY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near WYHY
Using this data
- WYHY ranks #3,330 of 4,374 nationally on financial health and #15 of 18 in WY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Trona Valley Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Trona Valley Community
Frequently Asked Questions
Is WYHY financially healthy?
WYHY has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,330 of 4,374 nationally on health and #15 of 18 in Wyoming. Its net worth ratio is 13.46% and its delinquency rate 3.58%.
How does WYHY compare to other credit unions?
WYHY scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.33% vs 72.20%). Its widest shortfall is delinquency rate (3.58% vs 0.89%).
How can I join WYHY?
WYHY 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 WYHY directly for the exact boundaries and application steps.
Is my money safe at WYHY?
WYHY 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. WYHY's net worth ratio of 13.46% 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.