PAHRANAGAT VALLEY
Charter #12686 | NV
<100M
(2596 CUs)
Micro
($0-$500M)
2 <100M in NV
PAHRANAGAT VALLEY demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 6.6% in tier
- + Deposit Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,232
+0.9% YoY-0.3% QoQ
|
-393 |
2,625
-2.2% YoY
|
31,753
+2.4% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$36.4M
+11.1% YoY+0.9% QoQ
|
+$6.5M |
$29.9M
+1.1% YoY
|
$652.3M
+3.7% YoY
|
$547.7M
+7.8% YoY
|
66th in tier |
| Loans |
$15.0M
+0.9% YoY-4.8% QoQ
|
$-729K |
$15.8M
-2.4% YoY
|
$403.3M
+6.9% YoY
|
$388.7M
+8.6% YoY
|
61st in tier |
| Deposits |
$32.7M
+11.1% YoY+0.7% QoQ
|
+$7.2M |
$25.5M
+0.4% YoY
|
$580.1M
+3.6% YoY
|
$464.6M
+9.3% YoY
|
68th in tier |
| ROA |
0.8%
+11.7% YoY+6.8% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.0%
-0.0% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
3.2%
-8.1% YoY+1.0% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.3%
+3.9% YoY
|
3.7%
+5.0% YoY
|
25th in tier |
| Efficiency Ratio |
74.1%
-5.8% YoY-2.8% QoQ
|
-7.3% |
81.4%
-2.4% YoY
|
67.2%
-0.6% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
+2.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
46.0%
-9.2% YoY-5.4% QoQ
|
-15.2% |
61.2%
-3.0% YoY
|
63.1%
+0.5% YoY
|
68.0%
-1.7% YoY
|
27th in tier |
| AMR |
$21,380
+6.7% YoY-0.8% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$28,845
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 16.0% in tier |
| CD Concentration |
13.8%
+2.3% YoY+3.4% QoQ
|
-10.6% |
24.4%
+4.2% YoY
|
18.3%
+6.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
22.8%
-3.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
172
Asset Growth Rate
growth
Value:
11.07%
Peer Avg: 1.82%
#172 of 2596
Top 6.6% in <100M tier
189
Deposit Growth Rate
growth
Value:
11.07%
Peer Avg: 16.80%
#189 of 2596
Top 7.2% in <100M tier
416
Average Member Relationship (AMR)
engagement
Value:
$21,380
Peer Avg: $14,627
#416 of 2596
Top 16.0% in <100M tier
482
AMR Growth Rate
growth
Value:
6.68%
Peer Avg: 4.67%
#482 of 2596
Top 18.5% in <100M tier
641
Member Growth Rate
growth
Value:
0.90%
Peer Avg: 14.92%
#641 of 2596
Top 24.7% in <100M tier
Top Weaknesses (2 metrics)
2201
Net Worth Ratio
risk
Value:
9.77%
Peer Avg: 16.43%
#2201 of 2596
Bottom 15.3% in <100M tier
2112
First Mortgage Concentration (%)
balance_sheet
Value:
32.06%
Peer Avg: 14.49%
#2112 of 2596
Bottom 18.7% in <100M tier