Carson City, NV · Charter 68228
NCUA · 16 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
1
Profitability
57
Liquidity
71
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Carson City, NV · Charter 68228
NCUA · 16 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 | -0.19% | -2.14% | -0.09% | 0.41% | 0.27% | -0.27% | 0.86% | 0.74% | +32 bps | |
| Return on Equity | -2.71% | -41.62% | -1.72% | 7.86% | 5.09% | -5.88% | 25.70% | 21.10% | +1,324 bps | |
| Net Interest Margin | 2.46% | 2.56% | 2.54% | 3.10% | 3.10% | 2.91% | 2.98% | 3.06% | -4 bps | |
| Efficiency Ratio | 86.37% | 115.06% | 96.85% | 84.52% | 85.05% | 87.20% | 76.68% | 74.36% | -1,016 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.14% | -2.00% | -1.20% | -3.82% | -6.28% | -3.46% | -4.94% | -2.65% | +117 bps | |
| Loan Growth (YoY) | 3.42% | 2.98% | 2.67% | -2.00% | -0.14% | -5.19% | -4.72% | -0.92% | +109 bps | |
| Share Growth (YoY) | 1.90% | 0.95% | 1.59% | -1.52% | -4.39% | -3.15% | -4.11% | -1.31% | +21 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.03% | 7.33% | 7.14% | 5.28% | 5.67% | 4.84% | 4.41% | 3.98% | -130 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 | 6.97% | 5.13% | 5.01% | 5.27% | 5.40% | 4.56% | 3.33% | 3.50% | -177 bps | |
| Net Worth / Assets | 6.97% | 5.13% | 5.01% | 5.27% | 5.40% | 4.56% | 3.33% | 3.50% | -177 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.34% | 81.93% | 79.78% | 81.15% | 83.91% | 80.21% | 79.27% | 81.47% | +33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Carson City, NV · Charter 68228 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.74%
Rank 254 of 435
Net Interest Margin
3.06%
Rank 311 of 435
Efficiency Ratio
74.36%
Rank 262 of 435
Equity / Assets
3.50%
Rank 435 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.55% | 0.81% | 1.14% | Beats 42% | 254 / 435 | ||
| Return on Equity | 21.10% | 5.12% | 7.41% | 9.70% | Beats 100% | 1 / 435 | ||
| Net Interest Margin | 3.06% | 3.01% | 3.39% | 3.75% | Beats 29% | 311 / 435 | ||
| Efficiency Ratio | 74.36% | 65.25% | 71.39% | 77.86% | Beats 40% | 262 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.98% | 0.45% | 0.69% | 1.05% | Beats 1% | 432 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 3.50% | 9.81% | 10.84% | 12.63% | Beats 0% | 435 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 3.50% | 9.81% | 10.84% | 12.63% | Beats 0% | 435 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.47% | 78.33% | 88.38% | 95.61% | 32nd pctl | 295 / 435 | ||
| Loans / Assets | 77.83% | 67.69% | 74.58% | 80.80% | 61st pctl | 170 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||