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credit union

Cit-Co

Sheridan, WY · Est. 1954
B
Trust Grade
Strong
Score: 85/100

Cit-Co is a credit union based in Sheridan, Wyoming, established in 1954, with $32 million in total assets serving 2,251 members. By Trust Grade it ranks 15th of 18 credit unions we track in Wyoming. Its net worth ratio of 8.7% trails most similarly sized credit unions (9th percentile), versus a Wyoming median of 11.3%. It was profitable over the most recent period, with a 0.91% return on assets. No consumer complaints against Cit-Co appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$31.8M
<$100M institution
Members
2,251
Shares & deposits
Net worth ratio
8.7%
Bottom 9% of <$100M peers · Wyoming median 11.3%
Return on assets
0.9%
Top 35% of <$100M peers · Wyoming median 1.01%
Rank in Wyoming
#15
of 18 credit unions

How Cit-Co compares to Wyoming peers

Net worth ratio
Bottom 9% of <$100M peers
Cit-Co
8.7%
Wyoming median
11.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 35% of <$100M peers
Cit-Co
0.9%
Wyoming median
1.0%
Higher ROA = more profitable relative to asset base

How we graded Cit-Co

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
85/100
Customer experience
n/a
Overall
B · 85
  • Well-capitalized (8.7% capital ratio)
  • Profitable (ROA 0.91%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Cit-Co over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Cit-Co insured?

Yes. Cit-Co is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Cit-Co: frequently asked questions

Is Cit-Co a good credit union?

Cit-Co earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (8.7% capital ratio); Profitable (ROA 0.91%).

Is Cit-Co NCUA-insured?

Yes. Cit-Co is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Cit-Co?

Cit-Co holds $32 million in total assets, ranking 15th of 18 credit unions we track in Wyoming. It serves 2,251 members.

Does Cit-Co have CFPB complaints?

No CFPB complaints against Cit-Co appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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