Las Vegas, NV · Charter 86756
NCUA · 1 branch
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
46
Asset Quality
85
Profitability
27
Liquidity
34
Efficiency
21
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.
Las Vegas, NV · Charter 86756
NCUA · 1 branch
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 | 0.82% | 0.74% | 0.32% | 0.35% | 0.36% | 0.38% | 0.47% | 0.44% | +9 bps | |
| Return on Equity | 6.34% | 6.07% | 2.65% | 2.96% | 2.94% | 3.15% | 3.75% | 3.48% | +52 bps | |
| Net Interest Margin | 3.59% | 3.30% | 2.98% | 3.03% | 3.20% | 3.13% | 3.08% | 3.22% | +18 bps | |
| Efficiency Ratio | 79.45% | 80.42% | 90.37% | 89.48% | 89.09% | 88.36% | 87.96% | 88.61% | -87 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.34% | 3.99% | 6.68% | 10.32% | 8.42% | 4.15% | -1.30% | -2.99% | -1,331 bps | |
| Loan Growth (YoY) | 3.96% | 4.81% | 3.97% | 4.45% | 3.75% | 3.28% | 5.49% | 7.35% | +290 bps | |
| Share Growth (YoY) | -5.01% | 3.61% | 6.13% | 10.04% | 8.97% | 3.22% | -2.36% | -3.91% | -1,395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.07% | 0.13% | 0.09% | 0.09% | 0.15% | 0.18% | 0.12% | +3 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 | 12.91% | 12.16% | 11.87% | 11.76% | 12.34% | 12.05% | 12.44% | 12.54% | +78 bps | |
| Net Worth / Assets | 12.91% | 12.16% | 11.87% | 11.76% | 12.34% | 12.05% | 12.44% | 12.54% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.45% | 45.01% | 43.59% | 43.88% | 46.13% | 45.04% | 47.10% | 49.02% | +514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Las Vegas, NV · Charter 86756 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.44%
Rank 1,195 of 1,683
Net Interest Margin
3.22%
Rank 1,326 of 1,683
Efficiency Ratio
88.62%
Rank 1,331 of 1,682
Equity / Assets
12.54%
Rank 902 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.44% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,195 / 1,683 | ||
| Return on Equity | 3.48% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,154 / 1,681 | ||
| Net Interest Margin | 3.22% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,326 / 1,683 | ||
| Efficiency Ratio | 88.62% | 68.91% | 78.20% | 86.93% | Beats 21% | 1,331 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.26% | 0.65% | 1.29% | Beats 85% | 252 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 902 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.54% | 10.44% | 12.89% | 16.53% | Beats 46% | 902 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 49.02% | 52.61% | 69.38% | 83.50% | 21st pctl | 1,337 / 1,683 | ||
| Loans / Assets | 43.09% | 44.71% | 59.18% | 70.72% | 23rd pctl | 1,295 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||