Elko, NV · Charter 13800
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.26% | 1.74% | 2.21% | 2.22% | 2.32% | 1.75% | 2.27% | 2.44% | +22 bps | |
| Return on Equity | 17.72% | 13.98% | 17.61% | 17.09% | 17.23% | 13.36% | 17.43% | 17.92% | +82 bps | |
| Net Interest Margin | 4.03% | 3.62% | 3.96% | 4.03% | 4.05% | 3.70% | 4.13% | 4.13% | +10 bps | |
| Efficiency Ratio | 56.10% | 62.76% | 55.94% | 56.29% | 54.73% | 63.26% | 56.29% | 52.53% | -376 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.91% | 11.72% | 9.30% | 11.59% | 9.87% | 9.75% | 11.76% | 11.38% | -21 bps | |
| Loan Growth (YoY) | 13.25% | 9.70% | 8.90% | 9.78% | 10.55% | 10.83% | 7.68% | 5.86% | -391 bps | |
| Share Growth (YoY) | 10.05% | 11.01% | 8.29% | 11.04% | 9.07% | 8.97% | 11.15% | 10.50% | -53 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.06% | 0.14% | 0.34% | 0.34% | 0.47% | 0.13% | 0.34% | 0 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 | 12.76% | 12.48% | 12.54% | 12.98% | 13.45% | 13.12% | 13.02% | 13.59% | +61 bps | |
| Net Worth / Assets | 12.76% | 12.48% | 12.54% | 12.98% | 13.45% | 13.12% | 13.02% | 13.59% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.40% | 76.48% | 74.25% | 77.18% | 79.47% | 77.78% | 71.94% | 73.94% | -324 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |