Reno, NV · Charter 1000
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.74% | 1.33% | 1.08% | 0.99% | 0.92% | 1.08% | 1.03% | -5 bps | |
| Return on Equity | 6.80% | 5.49% | 9.89% | 7.91% | 7.35% | 6.88% | 8.02% | 7.62% | -29 bps | |
| Net Interest Margin | 3.43% | 3.40% | 3.24% | 3.30% | 3.28% | 3.25% | 3.21% | 3.22% | -9 bps | |
| Efficiency Ratio | 66.52% | 70.30% | 62.64% | 67.23% | 67.61% | 68.67% | 59.46% | 64.26% | -297 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | 1.76% | 3.08% | 1.99% | 7.02% | 8.10% | 6.34% | 7.59% | +560 bps | |
| Loan Growth (YoY) | -7.20% | -6.24% | -3.50% | -0.05% | -1.44% | -6.48% | -6.73% | -6.35% | -630 bps | |
| Share Growth (YoY) | 1.31% | 0.83% | 1.86% | 0.91% | 7.18% | 7.89% | 6.63% | 7.93% | +701 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.57% | 0.36% | 0.42% | 0.39% | 0.62% | 0.73% | 0.57% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.57% | 13.50% | 13.47% | 13.67% | 13.41% | 13.35% | 13.48% | 13.57% | -10 bps | |
| Net Worth / Assets | 13.57% | 13.50% | 13.47% | 13.67% | 13.41% | 13.35% | 13.48% | 13.57% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.68% | 67.57% | 65.86% | 65.98% | 62.24% | 58.57% | 57.60% | 57.25% | -873 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |