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Overview / Commentary
169 Main St
Alamo, NV 89001

Pahranagat Valley Credit Union is headquartered in Alamo and is the 15st largest credit union in the state of Nevada. It is also the 3,642nd largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 5 employees and 1,942 members. Pahranagat Valley Credit Union's savings rates are 15% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school within 25 miles radius of the Alamo Post Office in Alamo, Nevada. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Pahranagat Valley Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pahranagat Valley Credit Union had $354,000 in non-current loans and owned real-estate with $2.29 million in equity and loan loss allowances on hand to cover it. This gives Pahranagat Valley Credit Union a Texas Ratio of 15.45% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pahranagat Valley Credit Union decreased slightly from 20.24% as of March 31, 2013 to 15.45% as of March 31, 2014, resulting in a positive change of 23.67%.This indicates that the balance sheet and financial strength for Pahranagat Valley Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Pahranagat Valley Credit Union has increased its total deposits by $99,000, resulting in 0.59% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pahranagat Valley Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pahranagat Valley Credit Union has $18.85 million in assets with $2.29 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

Institution Statistics

NCUA #12686
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$18.85 million
Loans$11.23 million
Deposits$16.84 million
Equity Capital$1.97 million
Loan Loss Allowance$318,000
Unbacked Noncurrent Loans$189,000
Real Estate Owned$165,000
Historic Data - March 2013
Assets$18.51 million
Equity Capital$1.74 million
Loan Loss Allowance$394,000
Unbacked Noncurrent Loans$189,000
Real Estate Owned$135,000
Profit Margin - Quarterly
Net Interest Margin1.62%
Return on Assets0.79%
Return on Equity7.5%
Interest Income$203,000
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Pahranagat Valley Credit Union Savings Account Rates

0.60%-$300kIRA Savings Account
0.60%-$300kRoth IRA Savings Account
0.60%-$300kEducational IRA Savings Account
0.35%-$300kRegular Share Account

Pahranagat Valley Credit Union Checking Account Rates

0.10%-$300kShare Draft Account

Pahranagat Valley Credit Union CD Rates

0.85%-$300k24 Month Share Certificate
0.75%-$300k12 Month Share Certificate
0.65%-$300k6 Month Share Certificate
0.55%-$300k3 Month Share Certificate

Pahranagat Valley Credit Union IRA Rates

0.85%-$300k24 Month IRA Certificate
0.75%-$300k12 Month IRA Certificate
0.65%-$300k6 Month IRA Certificate
0.55%-$300k3 Month IRA Certificate

Pahranagat Valley Credit Union Locations
Branch Office169 Main StAlamo, NV 89001