PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pahranagat Valley

Alamo, NV · Charter 12686

NCUA · 1 branch

Q2 2026

$38.3MAssets
$15.1MLoans
$34.4MShares
$3.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, down 1 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY).
  • Capital: net worth / assets of 9.96%, up 34 bps from a year ago.
  • Funding: loans stand at 43.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.77%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+1 bps YoY

Efficiency Ratio (YTD, annualized)

79.68%+341 bps YoY

Net Worth / Assets

9.96%+34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.83%0.67%0.70%0.77%-1 bps
Return on Equity8.07%8.54%6.64%7.20%7.69%-38 bps
Net Interest Margin3.17%3.23%3.03%3.15%3.18%+1 bps
Efficiency Ratio76.28%74.14%78.34%80.65%79.68%+341 bps
Growth
Asset Growth (YoY)11.43%11.07%1.71%9.64%6.31%-512 bps
Loan Growth (YoY)6.86%0.88%-2.95%-4.22%-4.22%-1,108 bps
Share Growth (YoY)11.44%11.07%0.80%9.40%5.92%-551 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.13%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.62%9.77%10.12%9.68%9.96%+34 bps
Net Worth / Assets9.62%9.77%10.12%9.68%9.96%+34 bps
Liquidity & Funding
Loans / Shares48.64%46.02%45.62%41.97%43.98%-466 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps