PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Create

Las Vegas, NV · Charter 86752

NCUA · 7 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.4BShares
$191.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.42%, up 70 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.45% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.63%, up 64 bps from a year ago.
  • Funding: loans stand at 75.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.42%+70 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+34 bps YoY

Efficiency Ratio (YTD, annualized)

61.84%-963 bps YoY

Net Worth / Assets

11.63%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.86%0.93%0.95%1.42%+70 bps
Return on Equity6.57%7.59%8.26%8.32%12.21%+564 bps
Net Interest Margin2.91%3.03%3.01%3.25%3.26%+34 bps
Efficiency Ratio71.48%69.10%67.06%70.22%61.84%-963 bps
Growth
Asset Growth (YoY)18.84%12.09%10.95%6.44%6.09%-1,275 bps
Loan Growth (YoY)13.55%16.95%20.55%16.42%11.30%-225 bps
Share Growth (YoY)19.89%12.21%10.11%5.67%5.12%-1,477 bps
Asset Quality
Delinquent Loans / Loans0.38%0.45%0.47%0.41%0.45%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.99%11.32%11.32%11.37%11.63%+64 bps
Net Worth / Assets10.99%11.32%11.32%11.37%11.63%+64 bps
Liquidity & Funding
Loans / Shares71.27%73.95%75.17%75.38%75.46%+419 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps