Federal credit union · Alamo, Nevada · NCUA charter #12686
Pahranagat Valley
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $36.3M
- Total assets
- 2,153
- Members
- 9.7%
- Net-worth ratio
Pahranagat Valley scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.3M; members 2,153; net-worth ratio 9.68%; health rank #2,642 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,642 of 4,374 health · 2025Q4Pahranagat Valley · health 81/100 · $36.3M · 2025Q4
- CHARTER 81/100
- NCUSIF 9.7%
- CAMELS 0.00%
- HEALTH 0.37%
- NW $36.3M
- DELQ 2,153
- ROA #2,642/4,374
- ASSETS RIPPLE
- MEM 12686
Call Report peers
Pahranagat Valley in the assets neighbourhood
Pahranagat Valley's $36.3M assets sit next to RIPPLE ($36.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pahranagat Valley vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pahranagat Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12686, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Pahranagat Valley diverges from peer averages
- Delinquency Rate leads the peer set - 0.00% here, 1.15% peer average (-1.15 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.18 pp (45.62% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pahranagat Valley in Nevada
- In Nevada, health place is #11 of 13 on the same NCUA-ratio sort used nationally.
- Assets rank #13 of 13 inside Nevada ($36.3M reported).
- Member book place in Nevada: #13 of 13.
In-state ordinals use the live credit_unions table for NV only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pahranagat Valley Call Report trajectory
Pahranagat Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.5% from $36.3M (2025Q4) to $38.7M (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.12% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.0 pts
- Member Growth 4.0 pts
- Loan-to-Share Ratio 9.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -5.18 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.37% | -0.34 pp |
| Member Growth | -2.80% | - |
| Loan-to-Share Ratio | 45.62% | -14.18 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Pahranagat Valley
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $38.7M | - |
| 2025Q4 | $36.3M | 2,153 |
| 2024Q4 | $35.7M | 2,215 |
| 2023Q4 | $32.3M | 2,187 |
Credit Union Details
- Charter Number
- 12686
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nevada
- City
- Alamo
- Data Quarter
- 2025Q4
Branch Location
Pahranagat Valley operates a single office in Alamo, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| PAHRAHAGAT VALLEY (Main Office) | Alamo, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
A look at other Nevada credit unions, ranked by how closely their peer group and asset size match this one.
Pahranagat Valley nationwide neighbourhoods
Cross-state asset and health neighbours for Pahranagat Valley - kept outside Nevada; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Pahranagat Valley ranks #2,642 of 4,374 nationally on financial health and #11 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Churchill County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Churchill County
- Rates and health both vary by institution, not just by state -- see how Nevada credit unions compare overall before assuming this one is typical. Nevada state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Pahranagat Valley financially healthy?
Pahranagat Valley scores 81/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,642 of 4,374; by total assets it ranks #2,695 of 4,374 nationally (same basis as /rankings/largest); and #13 of 13 within Nevada. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.68% net worth ratio and a 0.00% delinquency rate.
How does Pahranagat Valley compare to other credit unions?
81/100 is Pahranagat Valley's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Pahranagat Valley?
Pahranagat Valley operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Pahranagat Valley directly for the exact boundaries and application steps.
Is my money safe at Pahranagat Valley?
Federal credit unions like Pahranagat Valley are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pahranagat Valley's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pahranagat Valley offer compared to banks?
Credit unions like Pahranagat Valley are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Pahranagat Valley directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.