Churchill County Federal Credit Union
Total assets
$76.1M
▲ +7.1% YoY
Shares & deposits
$60.6M
▲ +6.8% YoY
Loans
$26.9M
▼ -4.7% YoY
Members
2,983
▼ -2.5% YoY
ROA (annualized)
1.67%
peers 0.60%
ROE (annualized)
8.16%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.4 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 667 S Maine St, Fallon, NV, 89406
- NCUA charter #
- 11824
- RSSD ID
- 764580
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $76.1M | $60.6M | $26.9M | $15.6M | $318K | 1.67% | 2.68% | 0.79% | 2,983 |
| Q4 2025 | $74.9M | $59.7M | $27.4M | $15.3M | $1.2M | 1.62% | 2.84% | 1.41% | 2,996 |
| Q3 2025 | $73.4M | $58.4M | $28.1M | $15.1M | $1.0M | 1.84% | 2.90% | 1.62% | 3,023 |
| Q2 2025 | $73.3M | $58.5M | $28.9M | $14.8M | $768K | 2.10% | 2.89% | 1.21% | 3,046 |
| Q1 2025 | $71.1M | $56.7M | $28.3M | $14.4M | $388K | 2.18% | 2.93% | 0.99% | 3,058 |
| Q4 2024 | $70.5M | $56.5M | $30.3M | $14.0M | $852K | 1.21% | 2.49% | 2.14% | 3,098 |
| Q3 2024 | $69.3M | $55.6M | $32.4M | $13.8M | $586K | 1.13% | 2.38% | 1.26% | 3,122 |
| Q2 2024 | $69.0M | $55.5M | $34.2M | $13.5M | $264K | 0.76% | 2.22% | 1.14% | 3,133 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $23.8M · securities $41.9M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.5% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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