Stagepoint Federal Credit Union
Total assets
$128.9M
▲ +7.9% YoY
Shares & deposits
$117.6M
▲ +8.3% YoY
Loans
$107.8M
▲ +17.2% YoY
Members
8,930
▼ -4.0% YoY
ROA (annualized)
0.80%
peers 0.69%
ROE (annualized)
9.30%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +8.3% | +3.3% | +5.0 pts |
| Loan growth (YoY) | +17.2% | +2.9% | +14.2 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 9.3% | 5.9% | +3.4 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
Profile
- Established
- 1935
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 365 N 3Rd St, Laramie, WY, 82072
- NCUA charter #
- 687
- RSSD ID
- 797672
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $128.9M | $117.6M | $107.8M | $11.0M | $256K | 0.80% | 4.74% | 0.40% | 8,930 |
| Q4 2025 | $129.4M | $118.4M | $105.2M | $10.8M | $1.2M | 0.89% | 4.69% | 0.24% | 8,933 |
| Q3 2025 | $126.5M | $115.8M | $102.2M | $10.4M | $823K | 0.87% | 4.75% | 0.17% | 8,937 |
| Q2 2025 | $118.1M | $108.3M | $97.3M | $10.2M | $604K | 1.02% | 5.06% | 0.26% | 8,903 |
| Q1 2025 | $119.5M | $108.6M | $92.0M | $9.8M | $230K | 0.77% | 4.97% | 0.47% | 9,303 |
| Q4 2024 | $114.3M | $102.9M | $88.7M | $9.1M | $664K | 0.58% | 4.42% | 0.60% | 9,207 |
| Q3 2024 | $83.6M | $75.9M | $69.5M | $7.5M | $327K | 0.52% | 4.63% | 0.26% | 5,929 |
| Q2 2024 | $78.4M | $71.0M | $67.8M | $7.2M | $50K | 0.13% | 4.86% | 0.29% | 5,918 |
Loan mix (Q1 2026): real estate $38.7M · commercial $113K · consumer $59.9M · securities $5.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.62% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 39th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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