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Overview / Commentary
1715 Stillwater Ave
Cheyenne, WY 82009-7359

Wyhy Credit Union is headquartered in Cheyenne and is the 4th largest credit union in the state of Wyoming. It is also the 971st largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 42 employees and 13,238 members. Wyhy Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of one of the several Select Employee Groups (SEGs). - See Details

Reviews (1)

If You Want To Get Ripped Off Then This Is Your Bank!

I joined this credit union because my wife was already a member, and insisted that we use her bank.  Boy was that a mistake.  Since I've been with this Bank, they have lied to us about loan intrest rates and fees.  Charged me a fee then told me that they made a mistake and I would not be charged, only to go back on their word and charge me half of the oringinal bogas fee with no explanation for the charge.  If your looking for a bank that will work with you, and is trust worthy don't bank at WYHY.  If you don't mind being lied to, and paying bogas fees then give them a shot you won't be disappointed.   


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 Wyhy Credit Union had $386,000 in non-current loans and owned real-estate with $21.93 million in equity and loan loss allowances on hand to cover it. This gives Wyhy Credit Union a Texas Ratio of 1.76% 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 Wyhy Credit Union decreased slightly from 1.99% as of March 31, 2013 to 1.76% as of March 31, 2014, resulting in a positive change of 11.63%.This indicates that the balance sheet and financial strength for Wyhy Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Wyhy Credit Union has increased its total deposits by $518,000, resulting in 0.31% 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 Wyhy Credit Union has shown is above average.



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. Wyhy Credit Union has $190.22 million in assets with $21.93 million in equity, resulting in a capitalization level of 11.53%, which is excellent.

Institution Statistics

NCUA #9094
Year Chartered1953
Primary Regulator
Assets and Liabilities
Assets$190.22 million
Loans$146.40 million
Deposits$169.00 million
Equity Capital$20.14 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$386,000
Real Estate Owned$0
Historic Data - March 2013
Assets$188.13 million
Equity Capital$18.20 million
Loan Loss Allowance$1.58 million
Unbacked Noncurrent Loans$386,000
Real Estate Owned$94,000
Profit Margin - Quarterly
Net Interest Margin1.08%
Return on Assets1.01%
Return on Equity9.53%
Interest Income$1.86 million

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Wyhy Credit Union Savings Account Rates

0.20%--IRA Account
0.20%--Roth IRA Account
0.20%--SEP IRA Account
0.05%--Regular Share Savings Account
0.05%--Health Savings Account

Wyhy Credit Union Money Market Rates

0.35%$100k-Money Market

Wyhy Credit Union Checking Account Rates

2.25%-$15kSmartReturns Checking - Qualifying

Wyhy Credit Union CD Rates

1.70%$10k-60 Month Share Certificate
1.00%$10k-36 Month Share Certificate
0.95%$10k-30 Month Share Certificate
0.85%$10k-24 Month Share Certificate
0.80%$10k-18 Month Share Certificate
0.65%$10k-14 Month Share Certificate
0.60%$10k-12 Month Share Certificate
0.55%$10k-15 Month Smart Savers Share Certificate
0.30%$10k-6 Month Share Certificate
0.20%$10k-3 Month Share Certificate

Wyhy Credit Union IRA Rates

1.70%$10k-60 Month IRA Certificate
1.00%$10k-36 Month IRA Certificate
0.95%$10k-30 Month IRA Certificate
0.85%$10k-24 Month IRA Certificate
0.80%$10k-18 Month IRA Certificate
0.60%$10k-12 Month IRA Certificate
0.55%$10k-15 Month Smart Savers IRA Certificate
0.30%$10k-6 Month IRA Certificate
0.20%$10k-3 Month IRA Certificate

Wyhy Credit Union Locations
Branch Office1715 Stillwater AveCheyenne, WY 82009-7359
Branch Office1521 Centennial Hills BlvdCasper, WY 82609-3263