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Overview / Commentary
307-721-5600
1610 Reynolds St
Laramie, WY 82072

UniWyo Federal Credit Union is headquartered in Laramie and is the 3rd largest credit union in the state of Wyoming. It is also the 789th largest credit union in the nation. It was established in 1953 and as of December of 2013, it had grown to 46 employees and 19,603 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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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 UniWyo Federal Credit Union had $1.16 million in non-current loans and owned real-estate with $26.64 million in equity and loan loss allowances on hand to cover it. This gives UniWyo Federal Credit Union a Texas Ratio of 4.35% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for UniWyo Federal Credit Union experienced no significant changes from 3.54% as of December 31, 2012 to 4.35% as of December 31, 2013, resulting in a negative change of 22.92%. This indicates that the balance sheet and financial strength for UniWyo Federal Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, UniWyo Federal Credit Union has increased its total deposits by $5.9 million, resulting in 2.82% 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 above average.

Capitalization

GRADE:
B+

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 $247.91 million in assets with $26.64 million in equity, resulting in a capitalization level of 10.75%, which is above average.

Institution Statistics

Overall
NCUA #9089
Year Chartered1953
Employees46
Primary Regulator
Assets and Liabilities
Assets$247.91 million
Loans$150.21 million
Deposits$215.51 million
Equity Capital$25.36 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$1.16 million
Real Estate Owned$0
Historic Data - December 2012
Assets$235.42 million
Equity Capital$24.19 million
Loan Loss Allowance$927,000
Unbacked Noncurrent Loans$1.16 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.44%
Return on Assets0.51%
Return on Equity4.97%
Interest Income$8.48 million
Rates

Always verify rates and promotions with the bank or credit union. We are not UniWyo Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

UniWyo Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.35%$50k-Money Market

UniWyo Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.99%-$15kXtraordinary Checking
0.25%$10k-Dividend Checking Accounts
0.10%--Xtraordinary Checking

UniWyo Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.27%$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
0.85%$250-24 Month CD Share Certificate
0.70%$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
Locations


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