Fallon, NV · Charter 11824
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
36
Profitability
57
Liquidity
18
Efficiency
99
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fallon, NV · Charter 11824
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.10% | 1.84% | 1.62% | 1.67% | 1.76% | -34 bps | |
| Return on Equity | 10.36% | 8.98% | 7.95% | 8.16% | 8.46% | -190 bps | |
| Net Interest Margin | 2.89% | 2.90% | 2.84% | 2.68% | 2.69% | -20 bps | |
| Efficiency Ratio | 28.65% | 29.23% | 31.23% | 33.49% | 33.93% | +528 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.25% | 5.93% | 6.17% | 7.08% | 4.62% | -164 bps | |
| Loan Growth (YoY) | -15.34% | -13.36% | -9.47% | -4.71% | -7.25% | +809 bps | |
| Share Growth (YoY) | 5.28% | 5.08% | 5.59% | 6.84% | 3.87% | -141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.62% | 1.41% | 0.79% | 0.93% | -28 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.22% | 20.51% | 20.38% | 20.46% | 20.79% | +57 bps | |
| Net Worth / Assets | 20.22% | 20.51% | 20.38% | 20.46% | 20.79% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.45% | 48.09% | 45.91% | 44.50% | 44.16% | -530 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fallon, NV · Charter 11824 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.76%
Rank 142 of 1,683
Net Interest Margin
2.69%
Rank 1,575 of 1,683
Efficiency Ratio
33.96%
Rank 10 of 1,682
Equity / Assets
20.79%
Rank 196 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 0.35% | 0.74% | 1.18% | Beats 92% | 142 / 1,683 | |
| Return on Equity | 8.46% | 2.67% | 5.89% | 8.74% | Beats 73% | 456 / 1,681 | |
| Net Interest Margin | 2.69% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,575 / 1,683 | |
| Efficiency Ratio | 33.96% | 68.91% | 78.20% | 86.93% | Beats 99% | 10 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.26% | 0.65% | 1.29% | Beats 36% | 1,072 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.79% | 10.44% | 12.89% | 16.53% | Beats 88% | 196 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.79% | 10.44% | 12.89% | 16.53% | Beats 88% | 196 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.15% | 52.61% | 69.38% | 83.50% | 16th pctl | 1,422 / 1,683 | |
| Loans / Assets | 34.98% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,469 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||