Guernsey Community vs Uniwyo
Comparing a Credit Union in Guernsey, WY with a Credit Union in Laramie, WY using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Guernsey Community ↗ Credit Union · Guernsey, WY · Est. 1954 | Uniwyo ↗ Credit Union · Laramie, WY · Est. 1953 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Guernsey, WY | Laramie, WY |
| Total assets | $1.8M | $818.0M |
| Net worth ratio | 21.1% | 12.2% |
| Return on assets | 1.7% | 1.7% |
| Shares & deposits | — | — |
| Members | 250 | 61,123 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 18 | #2 of 18 |
| Established | 1954 | 1953 |
Guernsey Community
- Assets: $1.8M
- Members: 250
- Capital ratio: 21.1%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #3 of 18
Uniwyo
- Assets: $818.0M
- Members: 61,123
- Capital ratio: 12.2%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 18
Are both institutions federally insured?
Yes. Guernsey Community is NCUA-insured and Uniwyo is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Guernsey Community or Uniwyo?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Guernsey Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Guernsey Community safe?
Yes — Guernsey Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Uniwyo safe?
Yes — Uniwyo is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Guernsey Community vs Uniwyo?
Guernsey Community has a net worth ratio of 21.1%, placing it in the top 19% of <$100M peers. Uniwyo's ratio is 12.2%, placing it in the top 37% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Guernsey Community have compared to Uniwyo?
The CFPB database shows 0 complaints against Guernsey Community, and 0 complaints against Uniwyo. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Guernsey Community with other Credit Unions in Wyoming
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
