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 | |