PackageTrendsPeer
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Elko

Elko, NV · Charter 13800

NCUA · 2 branches

Q2 2026

$351.3MAssets
$223.8MLoans
$302.7MShares
$47.8MNet 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 2.44%, up 22 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.34% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.59%, up 61 bps from a year ago.
  • Funding: loans stand at 73.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.44%+22 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+10 bps YoY

Efficiency Ratio (quarter, annualized)

52.53%-376 bps YoY

Net Worth / Assets

13.59%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.22%2.32%1.75%2.27%2.44%+22 bps
Return on Equity17.09%17.23%13.36%17.43%17.92%+82 bps
Net Interest Margin4.03%4.05%3.70%4.13%4.13%+10 bps
Efficiency Ratio56.29%54.73%63.26%56.29%52.53%-376 bps
Growth
Asset Growth (YoY)11.59%9.87%9.75%11.76%11.38%-21 bps
Loan Growth (YoY)9.78%10.55%10.83%7.68%5.86%-391 bps
Share Growth (YoY)11.04%9.07%8.97%11.15%10.50%-53 bps
Asset Quality
Delinquent Loans / Loans0.34%0.34%0.47%0.13%0.34%0 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 Capital12.98%13.45%13.12%13.02%13.59%+61 bps
Net Worth / Assets12.98%13.45%13.12%13.02%13.59%+61 bps
Liquidity & Funding
Loans / Shares77.18%79.47%77.78%71.94%73.94%-324 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps