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Overview / Commentary
1610 Reynolds St
Laramie, WY 82072-2373

UniWyo Federal Credit Union is headquartered in Laramie and is the 3rd largest credit union in the state of Wyoming. It is also the 794th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 46 employees and 19,863 members. UniWyo Federal Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Field of Membership includes: Students of the University of Wyoming. Employeees of the University of Wyoming, the United States Government, and of the State of Wyoming, who work in cooperation with the University of Wyoming and whose headquarters are located at the University. Military personnel of the United States Government who work in cooperation with or are training at the University of Wyoming. Those working for select employer groups, see bank site for full list. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 UniWyo Federal Credit Union had $1.11 million in non-current loans and owned real-estate with $27.19 million in equity and loan loss allowances on hand to cover it. This gives UniWyo Federal Credit Union a Texas Ratio of 4.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for UniWyo Federal Credit Union experienced no significant changes from 3.49% as of March 31, 2013 to 4.09% as of March 31, 2014, resulting in a negative change of 17.17%. This indicates that the balance sheet and financial strength for UniWyo Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, UniWyo Federal Credit Union has increased its total deposits by $6.51 million, resulting in 3.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth UniWyo Federal Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. UniWyo Federal Credit Union has $252.65 million in assets with $27.19 million in equity, resulting in a capitalization level of 10.76%, which is above average.

Institution Statistics

NCUA #9089
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$252.65 million
Loans$149.22 million
Deposits$220.06 million
Equity Capital$25.88 million
Loan Loss Allowance$1.31 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$0
Historic Data - March 2013
Assets$240.68 million
Equity Capital$24.42 million
Loan Loss Allowance$1.06 million
Unbacked Noncurrent Loans$1.11 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.13%
Return on Assets0.76%
Return on Equity7.45%
Interest Income$2.15 million

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UniWyo Federal Credit Union Savings Account Rates

1.00%--IRA Savings
1.00%--Roth IRA Savings
1.00%--CESA Savings
1.00%--SEP IRA Savings
1.00%--HSA Savings - Single
1.00%--HSA Savings - Family
0.10%--Share Savings Accounts

UniWyo Federal Credit Union Money Market Rates

0.35%$50k-Money Market

UniWyo Federal Credit Union Checking Account Rates

2.99%-$15kXtraordinary Checking - Qualifying
0.25%$10k-Dividend Checking Accounts

UniWyo Federal Credit Union CD Rates

2.17%$25k-60 Month CD Jumbo Share Certificate
2.02%$250-60 Month CD Share Certificate
1.51%$25k-37 Month CD Jumbo Share Certificate
1.41%$250-37 Month CD Share Certificate
1.31%$25k-36 Month CD Jumbo Share Certificate
1.21%$250-36 Month CD Share Certificate
0.95%$25k-24 Month CD Jumbo Share Certificate
0.90%$250-24 Month CD Share Certificate
0.75%$25k-12 Month CD Jumbo Share Certificate
0.65%$250-12 Month CD Share Certificate
0.35%$25k-6 Month CD Jumbo Share Certificate
0.30%$500-6 Month CD Share Certificate
0.25%$25k-3 Month CD Jumbo Share Certificate
0.15%$1k-3 Month CD Share Certificate

UniWyo Federal Credit Union Locations
Branch Office1610 Reynolds StLaramie, WY 82072-2373
Branch Office1000 E University Ave McWhinnie HallLaramie, WY 82071-2000