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 | |