TellerScore

Headquartered in Alamo, Nevada, Pahranagat Valley Federal Credit Union is a federal credit union with $38.3M in total assets and $34.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1958.

Pahranagat Valley Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 13 credit unions headquartered in Nevada, it ranks 9th. Funding & liquidity contributes the most (99/100, 44% loans-to-deposits, 16% uninsured); capital cushion contributes the least (50/100, 9.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 9.96%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity99/100
Loans ÷ shares: 44.0% · 15.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.51%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

TellerScore
697275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202469
Q1 202573
Q2 202574
Q3 202575
Q4 202575
Q1 202674
Q2 202674
Net worth ratio
7.00%8.56%10.12%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.63%
Q3 20249.75%
Q4 20249.33%
Q1 20259.63%
Q2 20259.62%
Q3 20259.77%
Q4 202510.12%
Q1 20269.68%
Q2 20269.96%
Delinquent loans (60+ days)
0.00%0.17%0.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.35%
Q4 20240.11%
Q1 20250.13%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.13%
Return on assets
0.38%0.61%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.75%
Q4 20240.38%
Q1 20250.76%
Q2 20250.78%
Q3 20250.83%
Q4 20250.67%
Q1 20260.70%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$38.3M9.96%0.13%0.77%44.0%
Q1 202674$38.7M9.68%0.00%0.70%42.0%
Q4 202575$36.3M10.12%0.00%0.67%45.6%
Q3 202575$36.4M9.77%0.00%0.83%46.0%
Q2 202574$36.1M9.62%0.00%0.78%48.6%
Q1 202573$35.3M9.63%0.13%0.76%47.9%
Q4 202469$35.7M9.33%0.11%0.38%47.4%
Q3 202471$32.8M9.75%0.35%0.75%50.7%
Q2 202473$32.4M9.63%0.00%0.65%50.7%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.96%
16th
Problem loans0.13%
78th
Net charge-offs0.01%
68th
Return on assets0.77%
56th
Loans to deposits44.0%
73rd
Uninsured deposits15.8%
3rd
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in Nevada

InstitutionScoreAssetsCapitalProblem loansCompare
Churchill County Federal Credit UnionCredit union Fallon, NV90 out of 100, Very strong$76.7M20.8%0.93%vs

Deposit insurance

Is my money safe at Pahranagat Valley Federal Credit Union?

Yes. Pahranagat Valley Federal Credit Union is a federally insured credit union (NCUA charter #12686). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.8% of shares and deposits ($5.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 9.96%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Pahranagat Valley Federal Credit Union lists 1 office in 1 city. Most locations:

  • Alamo, NV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Pahranagat Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
12686
RSSD ID
153988
Primary regulator
NCUA
Established
1958
Headquarters
P.O. Box 419, Alamo, NV 89001
Employees
7

Quick answers

Pahranagat Valley Federal Credit Union: common questions

Is Pahranagat Valley Federal Credit Union NCUA insured?

Yes. Pahranagat Valley Federal Credit Union is a federally insured credit union (NCUA charter #12686). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pahranagat Valley Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pahranagat Valley Federal Credit Union have?

1 office as of the latest NCUA data.