Fallon, NV · Charter 11824
NCUA · 1 branch
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 | 1.13% | 1.21% | 2.18% | 2.10% | 1.84% | 1.62% | 1.67% | 1.76% | -34 bps | |
| Return on Equity | 5.67% | 6.06% | 10.75% | 10.36% | 8.98% | 7.95% | 8.16% | 8.46% | -190 bps | |
| Net Interest Margin | 2.38% | 2.49% | 2.93% | 2.89% | 2.90% | 2.84% | 2.68% | 2.69% | -20 bps | |
| Efficiency Ratio | 38.50% | 37.06% | 28.23% | 28.65% | 29.23% | 31.23% | 33.49% | 33.93% | +528 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.57% | 0.58% | 1.09% | 6.25% | 5.93% | 6.17% | 7.08% | 4.62% | -164 bps | |
| Loan Growth (YoY) | -18.02% | -20.27% | -21.47% | -15.34% | -13.36% | -9.47% | -4.71% | -7.25% | +809 bps | |
| Share Growth (YoY) | -3.20% | -0.83% | -0.61% | 5.28% | 5.08% | 5.59% | 6.84% | 3.87% | -141 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 2.14% | 0.99% | 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 | 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 | 19.88% | 19.92% | 20.30% | 20.22% | 20.51% | 20.38% | 20.46% | 20.79% | +57 bps | |
| Net Worth / Assets | 19.88% | 19.92% | 20.30% | 20.22% | 20.51% | 20.38% | 20.46% | 20.79% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.33% | 53.55% | 49.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |