# WYO CENTRAL CASPER, WY · NCUA charter 12354 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger) Share link (named URL with a preview card): https://getbookiq.com/cu/wyo-central-12354 Who the members are: federal charter, community charter, organized 1958, low-income designated. 3,253 members of 92,755 potential (3.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 40. **Verdict on the desk:** this could be *stressed*. Composite score 10 of 18 (one point per flag across 17 flags, capital below 7% counted twice). ## What the filing shows | Measure | Value | |---|---| | Total assets | $28.3M | | Members | 3,253 (-4.5% YoY) | | Full-time staff | 11 | | Net worth | $1.6M | | Net worth ratio | 5.8% (p1 of band) | | ROA (annualized) | -1.34% (p6 of band) | | Total delinquency | 0.26% (p33 of band) | | Net charge-offs (annualized) | 2.10% (p94 of band) | | Loans / shares | 62% (p49 of band) | | Cash / assets | 35.4% | | Borrowings / assets | 3.55% | | Net interest margin | 3.44% (p35 of band) | | Operating expense / assets | 5.19% (p85 of band) | | Vehicles % of loans | 62% (p50 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% | | Third-party paper % of net worth | 212% (p98 of band) | | Vehicle delinquency | 0.10% (p34 of band) | | Vehicle NCO | 2.29% (p95 of band) | | Repossessed % of vehicle book | 2.20% (p100 of band) | | Real estate % of loans | 19% | | Credit cards % of loans | 0% | | Unsecured % of loans | 2% | | Commercial % of net worth | 0% | | Core shares % of member funds | 59% | | Certificates % of member funds | 20% | | Average share balance | $5,591 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 40% | | Loans granted per 100 members, annualized | 8% | | Average loan balance | $12,020 | | Loans granted, annualized | $4.2M | ## Flags firing in the latest filing - **thin capital** (`cap_low`) - **capital below 7%** (`cap_critical`) - **losing money** (`earn_negative`) - **charge-offs p90** (`aq_nco_high`) - **repo signal** (`aq_repo`) - **assets shrinking** (`shrink_assets`) - **members leaving** (`shrink_members`) - **3rd-party paper>100% NW** (`str_thirdparty`) - **auto monoline** (`str_vehicle`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2016-03 | 4 | losing money, delinquency 2x band, charge-offs p90, repo signal | | | 2016-06 | 3 | | charge-offs p90 | | 2016-09 | 3 | | | | 2016-12 | 4 | net worth falling | | | 2017-03 | 4 | members leaving | losing money | | 2017-06 | 3 | losing money | net worth falling, members leaving | | 2017-09 | 5 | members leaving, auto monoline | | | 2017-12 | 6 | 3rd-party paper>100% NW | | | 2018-03 | 4 | | losing money, members leaving | | 2018-06 | 3 | | delinquency 2x band | | 2018-09 | 3 | delinquency 2x band | repo signal | | 2018-12 | 4 | repo signal | | | 2019-03 | 5 | delinquency rising | | | 2019-06 | 4 | | repo signal | | 2019-09 | 3 | | delinquency rising | | 2019-12 | 3 | net worth falling | 3rd-party paper>100% NW | | 2020-03 | 4 | losing money | | | 2020-06 | 8 | thin capital, margin squeeze, repo signal, 3rd-party paper>100% NW | | | 2020-09 | 5 | | net worth falling, margin squeeze, 3rd-party paper>100% NW | | 2020-12 | 5 | loan book shrinking | repo signal | | 2021-03 | 5 | net worth falling | losing money | | 2021-06 | 4 | | net worth falling | | 2021-09 | 4 | | | | 2021-12 | 4 | | | | 2022-03 | 10 | net worth falling, losing money, margin squeeze, charge-offs p90, assets shrinking, members leaving | | | 2022-06 | 8 | delinquency rising | margin squeeze, assets shrinking, members leaving | | 2022-09 | 5 | | loan book shrinking, net worth falling, charge-offs p90 | | 2022-12 | 6 | charge-offs p90, members leaving | delinquency rising | | 2023-03 | 9 | capital below 7%, net worth falling, margin squeeze, 3rd-party paper>100% NW | charge-offs p90, members leaving | | 2023-06 | 9 | members leaving | margin squeeze | | 2023-09 | 8 | | members leaving | | 2023-12 | 9 | repo signal, assets shrinking | delinquency 2x band | | 2024-03 | 8 | | net worth falling | | 2024-06 | 10 | delinquency 2x band, charge-offs p90, members leaving | repo signal | | 2024-09 | 10 | repo signal | delinquency 2x band | ## In the news (Google News, unfiltered, newest first; check the city) - 2018-07-07 [Linda Morrison Obituary Jul 7, 2018 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA3UHYycUJ0Tnl0b1QxQWxmcGM1Y3RrNDdEU0owLVlPMllVYndISnFnamdobUN3cjBfNmFkZU90cUxGSUhqN2d2WkxXVlB6SmF3LUx1SklwZ05vd3VuSzBXREVrdHo?oc=5) · Bustard & Jacoby Funeral Home - 2021-05-01 [Be Your Own Hero at Festival of Hope in Downtown Casper on Saturday - K2 Radio](https://news.google.com/rss/articles/CBMikgFBVV95cUxPc3ViZF81VzlQVkh4eDZ3bEJ5Z29qZEhVc2dnaTRCeHI2WkFWNm9QMWJvWXFCZFh5T1lWczFXY2k3M0QwVEVFU3c4a3lIQTlraFlYbXpZaEtkWGZoOHNod2ktcy1LYjA5LTdFSDZpX0RUSkJyakxjNVd0bEVGYmkzZjVRSzVhb00xZzl6b20zWFRGQQ?oc=5) · K2 Radio - 2018-07-26 [Obituaries: Grinder, Morrison - Oil City News](https://news.google.com/rss/articles/CBMie0FVX3lxTE5WRDB1clhzQkZVSXBQbDJJV1U3SXRNdEF0S3lyM2xtRW9iMmpSM1N5VVRYWWk2cUFnN3NTOUpjLTEtZDBObF9sMllQU0UwZ3d2a2F3OEdRcXhqVlJmbjBnbXZWYkZQRm03WmNoX3VCUzZ1TVRXbHE3UmRITQ?oc=5) · Oil City News - 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central - 2021-11-24 [Cruz Cain Paulsen Obituary (2021) - Casper, WY - Bustard & Jacoby Funerals, Cremations, Receptions - Casper - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOb2x2RHlmQlF1RzY1dW1TcUtoRHZxVTN5SzBqTXIwb3hNQnVNb25mdjA1TVM2X2JKdWptd3F4QzNmajZBQmgxMVVxdmNsRTNwU3V6cEpSV1N0Zk1abHNaX3draXVzNnBuWEJjaHZxeHlsOVpjVEo4ZHE0RGdmT0d1QTVPWE1VLUU?oc=5) · legacy.com - 2015-06-03 [James Hunter Obituary Jun 3, 2015 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9hUE9hRS0wbVRKWm94NW9XWlctVXh5cG5GdTZNZTYzV24tM3lCN01nTmNKSUt1UGdaaFhBU1VydnZneFFodGtSbzhyeWNhM1hjeW5veEJGTFN6Mi1iMlkxc3B3?oc=5) · Bustard & Jacoby Funeral Home ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=12354 (every cell opens its formula and NCUA account codes; the News tab is the same search) - Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/2.json (key "12354", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags) - Participation history: https://getbookiq.com/participation-desk/#cu=12354 - Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary - Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide