Pahranagat Valley
Alamo, NV · Charter 12686 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$38.3MAssets
$15.1MLoans
$34.4MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets (rank 261 of 1682).
- Widest gap: equity / assets trails 80% of credit unions under $1B in assets (rank 1353 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.77%
Rank 812 of 1,683
Net Interest Margin
3.18%
Rank 1,345 of 1,683
Efficiency Ratio
79.67%
Rank 919 of 1,682
Equity / Assets
9.96%
Rank 1,353 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.35% | 0.74% | 1.18% | Beats 52% | 812 / 1,683 | |
| Return on Equity | 7.70% | 2.67% | 5.89% | 8.74% | Beats 67% | 555 / 1,681 | |
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,345 / 1,683 | |
| Efficiency Ratio | 79.67% | 68.91% | 78.20% | 86.93% | Beats 45% | 919 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.26% | 0.65% | 1.29% | Beats 85% | 261 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.96% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,353 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.96% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,353 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 43.98% | 52.61% | 69.38% | 83.50% | 15th pctl | 1,428 / 1,683 | |
| Loans / Assets | 39.45% | 44.71% | 59.18% | 70.72% | 18th pctl | 1,377 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |