# UNIWYO
Laramie, WY · NCUA charter 9089 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/uniwyo-9089

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 61,123 members of 130,000 potential (47.0% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $818.0M |
| Members | 61,123 (4.6% YoY) |
| Full-time staff | 119 |
| Net worth | $100.1M |
| Net worth ratio | 12.2% (p74 of band) |
| ROA (annualized) | 1.70% (p96 of band) |
| Total delinquency | 0.56% (p49 of band) |
| Net charge-offs (annualized) | 0.71% (p76 of band) |
| Loans / shares | 73% (p29 of band) |
| Cash / assets | 8.7% |
| Borrowings / assets | 0.86% |
| Net interest margin | 3.62% (p64 of band) |
| Operating expense / assets | 3.04% (p24 of band) |
| Vehicles % of loans | 50% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 74% |
| Third-party paper % of net worth | 202% (p74 of band) |
| Vehicle delinquency | 0.91% (p70 of band) |
| Vehicle NCO | 1.29% (p69 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 19% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 30% |
| Average share balance | $7,492 |
| Participations bought / yr | $2.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $27.1M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 48% |
| Average loan balance | $20,849 |
| Loans granted, annualized | $222.0M |

## Participation posture (from the same filings)

Bought $2.4M and sold $0 in the latest annualized quarter; $27.1M outstanding purchased (27.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  | delinquency rising |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | loans>95% of shares |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | leaning on borrowings |  |
| 2019-06 | 5 | net worth falling, delinquency rising |  |
| 2019-09 | 4 |  | delinquency rising |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 2 |  | loans>95% of shares |
| 2020-06 | 3 | net worth falling, margin squeeze | leaning on borrowings |
| 2020-09 | 2 |  | margin squeeze |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | net worth falling, leaning on borrowings |  |
| 2021-09 | 1 |  | net worth falling, leaning on borrowings |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | leaning on borrowings |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | leaning on borrowings |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-07-19 [UniWyo named best credit union in state by Forbes - WyomingNews.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPc3JTbTBSN0NkMGhiVkg1UVlUcXFOUE9vNDQxWmRCUDBhQ2lPbFVyN3pESW9YWmtwbFN1RkhxNG1hTFVYN3RUanJHQlY2Zm1INVYzelBRZDBMRzlYQkVfQWRwM216TUgyQVF3S3p1Tnp5UXNTQ3hrVVpDUmZscTN4ZkFWVkNYZkJwclRyWURTaUh1RUd4Nm5NaG5xYzJBbE1kXzFONGc0SWM3SjYxd0dib3pTR0ozNGY0VXNtcFRLeXRsMEs4Y1ZYc0xZSElEX3pUU0ViSExUcW0wWUQ1SE4xb1k1aWJqd3h3YzZUbHkwbDVoQQ?oc=5) · WyomingNews.com
- 2022-07-18 [UniWyo, Reliant Federal Credit Union considering merger; combined assets would total ~$700M - Oil City News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQ2taMVVTRW1MVzhJT1VxbFdCa1hLT1pGWUZNWVhoRHBEVVFtY3NQNTl1S2lJb04xb2RYODVmNjZCMlZhbl9XNm9xeGk1MlpSdlVtSVVGSktPVVpSSTdnZDBmZlhhU1lpdVZfVlhQWjlKTWJxZnNvWDNHN1pGcWk2cjdGODJPQWQ4THFkN2otMVI0b3ZfY0tKZ243bE03TDRZSVZOZl80R05kTDVnTnRhb1BJREV3OVk5NHREcDBna3BCMUYxN19jVg?oc=5) · Oil City News
- 2025-09-17 [Sandberg Sisters Named Grand Marshals of UW Homecoming Parade - University of Wyoming](https://news.google.com/rss/articles/CBMiogFBVV95cUxQV2RiaXNyYndOUndqTGYwZDdQRjI0WmRqeVI1NFhrNzNuMWs1ZVNmcl9rc2tqeTlvV1FzeFdCbnZwOWVLLXZFa3VTbFdLX1VXTlZrVVcxVkVNZFNfdnRFN3UzNm41aHpMbjdYNklrckkyelZ5SjdxQWVVRzJtSC1sQ3JJUmlHMk8xRVdHeTRMQXJ5YnFzTF9aUmc5ZHRVMmktS2c?oc=5) · University of Wyoming
- 2024-10-07 [Celebrating 38 Years of the Cowboy Joe Club Auction - University of Wyoming Athletics](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTU9OZFlzNENYcXBHS0RDOVVZMWFpNk9QODJCSEJLeTRYZ1gyUW13cnNxTFd5a0dPdnNyWTNjeFoyNWRWTWRoLW5mVHc2eWZxbGRBYTJqTHQtM24xRF90S3FZaFpmbjVTQktuVkdOUFdpakVHd1g0ampiOFFQU0xjeXhUVjlOWHAwckhnZWRyMVYwdUdpNFJr?oc=5) · University of Wyoming Athletics
- 2019-07-01 [UniWyo FCU named best-in-state by Forbes - WyomingNews.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxPUFdhVkMtQy05d1dkZ01aa2hmM3Jmc1FPVDl2ZkxUUENIb1ZTa19yUkJUYlBFck5Nb2hjaC1Qb2o3TlpVUFJPbzZjSnVVcnFvUG1lSWJBNHd4aVI1WkhnX1Vhalo1b1g0emRjU0VJLV9sMjlGOVQ3YkdKd2tjZzk2cW5Xd0lTWUx2bzZSY0ZxcFdUQW81NnRGb01ZTGRZVlVYY01BYURoWl83endVeHRRRGQ1N092cGdkbmVuVVdLdUEwdDU5bXJzUnpybVVNNXRlYlY1LU9Nbk5Ga3JhLVZvOWprdldsUE5sa0E?oc=5) · WyomingNews.com
- 2021-01-22 [Wyoming Cowboys open doors to limited fans - MontanaSports.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSUJBUWplRllFR09QVGM3RDc0YURpZmtjOTc1T19UZ1hWdVNFRVZVbGFyd25CM2RKaThmQ2NxbV9hSjczZFFURUxXb3hodmlET0lyUTZnVVA5WXNNR016QVVYaHJOVVdfRG1ubjkzM2J1NGs3c0kwR1hVLW5Ma1h2dUNWVy1HdTZXMi1qcGpDUlJaVDBhV1pB?oc=5) · MontanaSports.com
- 2025-10-17 [UW Alumni Association Honors Winners of 2025 Homecoming Parade - University of Wyoming](https://news.google.com/rss/articles/CBMiogFBVV95cUxNY1NTeDRaV0F3blFnaDlvNF9lYXFRN05jTS1mU1RGNVZaZ3lMMGtHckt6Wi04MHFDaUNHbzdTd2R1cThHWVFGODVXNDB4bHRWNWFXM1E5S180Q0g0dUdPOTBCRWl3Qm9qU1FkTEFMZFBIQ2l4SkpJeUYwTDRERVhOOWFDdl9pa0ZXVFRoemdxTTBiYUphWS1NTXBNdzdDU3oxeFE?oc=5) · University of Wyoming
- 2019-06-30 [Karen Stapp Obituary (1937 - 2019) - Colorado Springs Gazette](https://news.google.com/rss/articles/CBMijAFBVV95cUxPclZBMUw4ODUxTTUxV0hERWdiZUUxUmt1bkhIRTBPVWx4WU5RNXhfTXVGdFBDdVEwTnpEcjFLX3NxTnJLeHBSdDFVYWlweFFCbWwzbGoxRG0yZUV0Vy02QWVQRDlWSFR5aVk4RXFXZ2VxUjJjbTR2YUt4NnZodWNGTXg5Q05DODJCU1NBYw?oc=5) · Colorado Springs Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9089 (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/1.json (key "9089", 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=9089
- 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.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide