Pahranagat Valley Credit Union

Pahranagat Valley Credit Union is headquartered in Alamo and is the 15^st largest credit union in the state of Nevada. It is also the 3,713^st largest credit union in the nation. It was established in 1958 and as of March of 2013, it had grown to 5 employees and 1,909 members. Pahranagat Valley Credit Union has a 3-star health rating.

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Data for Q1 2013

Institution Statistics PAHRANAGAT VALLEY NCUA # 12686 BankRate Report View Year Chartered 1958 Employees 5 Primary Regulator Assets and Liabilities Assets $18.51 million Loans $12.05 million Deposits $16.74 million Equity Capital $1.74 million Loan Loss Allowance $394,000 Unbacked Noncurrent Loans $296,000 Real Estate Owned $135,000 Historic Data - March 2012 Assets $18.53 million Equity Capital $1.55 million Loan Loss Allowance $390,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 1.6% Return on Assets 0.11% Return on Equity 1.15% Interest Income $215,000 Non-Interest Income $37,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2013 Pahranagat Valley Credit Union had $431,000 in non-current loans and owned real-estate with $2.13 million in equity and loan loss allowances on hand to cover it. This gives Pahranagat Valley Credit Union a Texas Ratio of 20.24% which is 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 increased slightly from 1.91% as of March 31, 2012 to 20.24% as of March 31, 2013, resulting in a negative change of 960.36%. This indicates that the balance sheet and financial strength for Pahranagat Valley Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Pahranagat Valley Credit Union has decreased its total deposits by $-194,000, resulting in -1.15% 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 below average. Capitalization 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 $18.51 million in assets with $2.13 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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