# WYHY
CHEYENNE, WY · NCUA charter 9094 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wyhy-9094

Who the members are: federal charter, community charter, organized 1953. 22,839 members of 587,620 potential (3.9% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 76.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $409.6M |
| Members | 22,839 (2.5% YoY) |
| Full-time staff | 55 |
| Net worth | $55.1M |
| Net worth ratio | 13.5% (p77 of band) |
| ROA (annualized) | 0.56% (p40 of band) |
| Total delinquency | 4.19% (p99 of band) |
| Net charge-offs (annualized) | 0.69% (p76 of band) |
| Loans / shares | 83% (p73 of band) |
| Cash / assets | 12.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.38% (p90 of band) |
| Operating expense / assets | 3.84% (p56 of band) |
| Vehicles % of loans | 50% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 187% (p78 of band) |
| Vehicle delinquency | 5.50% (p100 of band) |
| Vehicle NCO | 0.91% (p65 of band) |
| Repossessed % of vehicle book | 1.29% (p99 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 16% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 35% |
| Average share balance | $7,461 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.3M |
| Loans outstanding per 100 members | 76% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $16,946 |
| Loans granted, annualized | $86.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $9.3M outstanding purchased (16.9% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 2.3% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

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

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

- 2026-03-31 [WyHy Federal Credit Union names Matthew Ballou as new CEO - Oil City News](https://news.google.com/rss/articles/CBMiugFBVV95cUxQbWpSNnVjQS1lRGFwRW9PeFc1Zjc2dk5kcXdkejlLakgwdVViTDFqUENMTms4aGFsc3J5Q2tLbkRTaWVVRDZYaGtfR1psLWFCYm5UZ3J0Q3RIOFg0REtCZmxHRFhZUUdDQ2tXaFAxaWZSU2liRVBTWkZKWlF3aHI5Y0lGZlVPNXZFVWRETGVhRUN3S0cwZE5qZjBRY3haSnJiRkpRWWFxcWlIeW1NZXF6MG5JdUU0ZmRJTkE?oc=5) · Oil City News
- 2026-04-10 [Ballou appointed CEO of Cheyenne-based WyHy Federal Credit Union - WyomingNews.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNNzhtYmY5QmZmOXNXLTU5VjExb2pwV2pfLV9abUhZZG9mVXVsa09lV21yc3hQeFpWUE5UeE9QT01nbXpmdXFsV0tJNURfWUduNHgzYjFRSm9UWEhEUTN0dlpPTC1NQ0NxOVdUYmxmd3hDSHZXNVV2Y1FKa3d4ZFhZSmVoSVVmMTJxb3N4dXowOW14RFBTM0NsWWpXX0JSRXVnNGdYY3E3am1kR09fZWlQLVhkNld2TU9FSzFBWUt3Vjl4MEN3eVVNclhTbGhZOFVSbFJYTGZyQUo1NE5PanJXVk5YanRES3R1aGNuZnU1Zw?oc=5) · WyomingNews.com
- 2026-04-01 [WyHy Federal Credit Union Names Matthew Ballou as Chief Executive Officer - newswire.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRUVRUmhNeVgyeFlKRV9feDh0QmRrazdCUElTem9QRk5zQmZjLVlIRVBYcFlYSC1SemJNeVVIbzBzUUtPd3RwWTMycEcxUk43RFpIMk1XVHdLN1p0VmNVWlpWV3FWTHNIN1BpUXF4aXctT1k3b1FJSGdVQXYzOVJUZVdpSlZFZkR3OFRnc0RhcFUzbVE0UzFoTFIzWk9WT2xrQzNNRjhR?oc=5) · newswire.com
- 2022-11-26 [WyHy Credit Union and Sweetwater FCU Merge for a Greater Member Experience & Expanded Commitment to Local Communities - SweetwaterNOW](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQSC1qSlN0YmpBYVRBNFdSQjRhaVNwRGV0RG1PSzBZbUh0TkNHUUk5TzZ0a0NqX0RpcVdpVmk1NW5nbmRtRkMyMFVZVXRnYVZKeG54dDY4TVR1a0N0dmFkeGpRaklRUF80RlllUV9mVlhmMzZLallzYm1DMW83UWJnb3B5S0Z6ejJ3RWdhUXVKZzE1MVNwRFpzbWphZFBzQXRySWtRNXdMM19fM2VFMkJvNGZTZ2ppQ3QyVExxS2htcmJWM2pUR2NyUTJ2eENoUE55d2hpa1pSMzdVcHo3aG5B?oc=5) · SweetwaterNOW
- 2024-04-11 [Why A Cheyenne Credit Union Didn’t Cash Woman’s $1 Million Check - Cowboy State Daily](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZkN6Unp5dUFhOGxoQWNnY1JDUkxEX2N0a01QSnRvQ3V6YUdEcnFtRDNydzNuZm0tN0RyODMwbm9RZWFIRnJQeFNKNXlfOGhmNmVSVTRNbG5ENlVvYjVlemJBUnVVWkpPWnJlNlY0Tk9wVWY3Yll1czdsazFmbDBQUk1RQW1YTzZFUnZHWVVLRnJlVDlaN0hLZU9YRXNRNW9MUkRxVFVqSFp0QQ?oc=5) · Cowboy State Daily
- 2024-10-29 [WyHy Federal Credit Union Launches New, Easy Online Account Opening - newswire.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNSGwtekxwODNlTkE4QW5xdjFpblc2YTFzZGRsZXNBdEJqX2RpUjZiY21XVkxMMExPYnV1YW5PdEFoN09wdEUzYkZzcUNGWnY4ejlwTWc0TGRvd0ZFM1d6V2dPN3RGVElFY2JzUlNJc2ZSU1kxQWlHdGw2cHEyWnRJTXR6UUlkU2JpR3VUcExENlBUZS13VHNTaWN6alIyMHdKOXpPYm9MMUw?oc=5) · newswire.com
- 2018-11-16 [WyHy Federal Credit Union breaks ground on expansion - WyomingNews.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQTm5SQmREZ3dxbmtEY2tzTlp3SDRJMFpSYnMyLTd4d2N0THkwUTR1M3BtZ3BoZ3ZMQ3B1ejZKRzNZY1ptZElZY3d2MWF6dlJLb3NvTzJ2ZWxUTFlUUGdhS1lQell3LVVINmI5VG9nZ1hjNlNXQzBWOEhJOFoweURyQm1JZFZnZzFiclZCczFTYW9TdkhobjRPVEFoZ2lNb3FzVHBiSzhsN1dtbE9kUE0xQ09kR2JNMU1xN2g0d2wxb016ODNTTWMxLVBTQjNRS1NZVnVIMmRMMU9VTFByN3dZ?oc=5) · WyomingNews.com
- 2023-05-31 [Casper Woman Ordered to Repay $19,404 to Local Credit Union - K2 Radio](https://news.google.com/rss/articles/CBMihAFBVV95cUxNTDVadmoxMFJaMDZjWTJqOFI0T2QwTmw3clkyLVotbzhSMUo1b1NJYUxTd1QyU1dpanhJZGZ2MlhFQ2dzaDVVeHdWX2QxeV83QnRDZE5URkpXM0FVeDU4RGZCWWxnN19RQlFiN0RPVTRseHcwb2oxdGNxcnVXNF8waFhaRVM?oc=5) · K2 Radio

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9094 (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/6.json (key "9094", 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=9094
- 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