Nevada Credit Unions

Member engagement strengthened notably in Q4 2025, with growth accelerating to 1.77% from 1.49% quarter-over-quarter and climbing from 1.68% year-over-year. This 2.47 percentage point outperformance versus the national decline of 0.69% demonstrates Nevada credit unions' effective member acquisition and retention strategies amid challenging market conditions.

Profitability showed mixed signals in Q4 2025, with ROA decreasing to 0.93% from 1.04% quarterly but improving from 0.73% annually. NIM declined to 3.29% from both 3.35% quarterly and 3.12% yearly. Despite quarterly softness, Nevada credit unions maintained a 20 basis point ROA advantage over national levels.

Growth momentum showed divergent trends in Q4 2025, with loan growth accelerating to 6.68% from 6.24% quarterly, vastly outpacing national performance. However, asset growth decelerated to 4.88% from 5.93% quarterly and 7.13% annually, while deposit growth decelerated to 3.77% from 5.70% quarterly, though both remained above national benchmarks.

Risk metrics remained exceptionally stable in Q4 2025, with delinquencies holding steady at 0.50% both quarter-over-quarter and year-over-year. Net worth decreased slightly to 12.25% from 12.32% quarterly but improved from 11.98% annually. Credit quality significantly outperformed national standards, with delinquencies 40 basis points below the national rate.

Portfolio composition shifted toward real estate concentration in Q4 2025, with first mortgages increasing to 28.35% from 27.24% year-over-year, significantly above the 21.97% national level. Indirect auto lending decreased to 22.81% from 23.36% annually but remained nearly triple the national 7.78%. Certificate concentrations rose to 18.25% from 17.60% yearly.