PAHRANAGAT VALLEY
Charter #12686 · Alamo, NV · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.68% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 54th percentile but its structural peers at the 33rd — a 21-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PAHRANAGAT VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $38.66M | 79th pct | 64th pct |
| Members | 2,241 | 56th pct | 52th pct |
| Net worth ratio | 9.68% | 16th pct | 16th pct |
| Return on average assets | 0.72% | 54th pct | 33th pct |
| Net interest margin | 3.25% | 24th pct | 26th pct |
| Cost of funds | 1.30% | 71th pct | 69th pct |
| Loan-to-share | 41.97% | 23th pct | 31th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.02% | 39th pct | 41th pct |
| Loan growth YoY | -2.81% | 47th pct | 38th pct |
| Share growth YoY | 6.56% | 84th pct | 72th pct |
| Efficiency ratio | 80.65% | 50th pct | 64th pct |
structural peer set hash: a0a58e74dc7f69ed8418d65c6cd1c917… (reproducible)
Closest structural peers
This is the free public view
Claim PAHRANAGAT VALLEY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.