Reno, NV · Charter 7063
NCUA · 3 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
27
Profitability
58
Liquidity
57
Efficiency
81
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.
Reno, NV · Charter 7063
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.07% | 1.01% | 0.70% | 0.69% | -66 bps | |
| Return on Equity | 12.69% | 9.95% | 9.31% | 6.61% | 6.49% | -620 bps | |
| Net Interest Margin | 4.09% | 4.17% | 4.23% | 4.20% | 4.23% | +14 bps | |
| Efficiency Ratio | 58.72% | 60.84% | 61.12% | 64.69% | 65.80% | +708 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.95% | 9.19% | 4.25% | 6.36% | 6.38% | -557 bps | |
| Loan Growth (YoY) | 9.68% | 4.22% | 5.66% | 8.11% | 10.68% | +100 bps | |
| Share Growth (YoY) | 13.08% | 9.61% | 3.73% | 5.92% | 6.36% | -672 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 1.39% | 0.88% | 1.27% | 1.20% | -5 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.63% | 10.74% | 10.86% | 10.60% | 10.64% | +1 bps | |
| Net Worth / Assets | 10.63% | 10.74% | 10.86% | 10.60% | 10.64% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.97% | 76.55% | 78.21% | 77.31% | 79.06% | +308 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Reno, NV · Charter 7063 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.69%
Rank 893 of 1,683
Net Interest Margin
4.23%
Rank 481 of 1,683
Efficiency Ratio
65.79%
Rank 320 of 1,682
Equity / Assets
10.64%
Rank 1,229 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 893 / 1,683 | |
| Return on Equity | 6.49% | 2.67% | 5.89% | 8.74% | Beats 56% | 739 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 481 / 1,683 | |
| Efficiency Ratio | 65.79% | 68.91% | 78.20% | 86.93% | Beats 81% | 320 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.20% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,227 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.64% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,229 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.64% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,229 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.06% | 52.61% | 69.38% | 83.50% | 68th pctl | 545 / 1,683 | |
| Loans / Assets | 70.18% | 44.71% | 59.18% | 70.72% | 74th pctl | 439 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||