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Financial Horizons

Hawthorne, NV · Charter 86755

NCUA · 4 branches

Q2 2026

$313.0MAssets
$171.5MLoans
$280.2MShares
$40.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.43%, up 84 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 0.08% of loans (+5 bps YoY).
  • Capital: net worth / assets of 12.98%, up 99 bps from a year ago.
  • Funding: loans stand at 61.20% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.43%+84 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+19 bps YoY

Efficiency Ratio (YTD, annualized)

65.96%-1,367 bps YoY

Net Worth / Assets

12.98%+99 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.68%0.66%0.59%0.88%0.97%1.55%1.43%+84 bps
Return on Equity6.82%5.66%5.61%4.91%7.14%7.78%12.29%11.01%+610 bps
Net Interest Margin2.96%3.00%3.07%3.20%3.27%3.26%3.36%3.39%+19 bps
Efficiency Ratio74.04%77.89%75.34%79.64%73.20%72.89%63.34%65.96%-1,367 bps
Growth
Asset Growth (YoY)3.61%3.80%5.88%3.69%3.40%4.70%2.42%3.38%-31 bps
Loan Growth (YoY)2.02%-0.46%0.20%14.81%20.87%24.93%23.74%6.22%-859 bps
Share Growth (YoY)-0.33%2.52%3.77%1.39%1.67%1.71%0.41%1.57%+18 bps
Asset Quality
Delinquent Loans / Loans0.27%0.20%0.05%0.03%0.06%0.04%0.08%0.08%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.05%12.08%11.71%11.99%12.38%12.51%12.61%12.98%+99 bps
Net Worth / Assets12.05%12.08%11.71%11.99%12.38%12.51%12.61%12.98%+99 bps
Liquidity & Funding
Loans / Shares52.50%50.66%49.36%58.52%62.41%62.22%60.82%61.20%+268 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps