Federal credit union · ELKO, Nevada · NCUA charter #13800
ELKO
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $329.3M
- Total assets
- 18,534
- Members
- 13.0%
- Net-worth ratio
ELKO scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $329.3M; members 18,534; net-worth ratio 13.02%; health rank #51 of 4,374; healthier than 98th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#51 of 4,374 health · 2025Q4ELKO · health 99/100 · $329.3M · 2025Q4
- CAMELS 99/100
- HEALTH 13.0%
- NW 0.47%
- DELQ 1.59%
- ROA $329.3M
- ASSETS 18,534
- MEM #51/4,374
- RANK UNITEDONE
- PHOTO 13800
Call Report peers
ELKO in the assets neighbourhood
ELKO's $329.3M assets sit next to UNITEDONE ($329.1M) 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.
ELKO 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
99 Top 2% higher than 98% 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
ELKO - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #13800: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
ELKO vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 77.78% here, 72.20% peer average (+5.58 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ELKO in Nevada
- In Nevada, health place is #2 of 13 on the same NCUA-ratio sort used nationally.
- Nevada assets place: #7 of 13.
- Nevada membership ordinal: #8 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.
ELKO: 2025Q4 → 2026Q1
ELKO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.0% from $329.3M (2025Q4) to $349.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.12% → 13.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 15.1 pts
ELKO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.02% | +0.91 pp |
| Delinquency Rate | 0.47% | -0.42 pp |
| Return on Assets | 1.59% | +0.97 pp |
| Member Growth | 4.12% | - |
| Loan-to-Share Ratio | 77.78% | +5.58 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $349.2M | - |
| 2025Q4 | $329.3M | 18,534 |
| 2024Q4 | $300.1M | 17,800 |
| 2023Q4 | $268.6M | 17,066 |
Credit Union Details
- Charter Number
- 13800
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Nevada
- City
- ELKO
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ELKO, spread across 2 cities.
| Office | City |
|---|---|
| Elko (Main Office) | Elko, NV |
| Spring Creek | Spring Creek, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
More federally-insured credit unions based in Nevada, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for ELKO, both outside Nevada so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($329.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- ELKO ranks #51 of 4,374 nationally on financial health and #2 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Horizons is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Horizons
- 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 ELKO financially healthy?
ELKO has a financial health score of 99/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #51 of 4,374; by total assets it ranks #985 of 4,374 nationally (same basis as /rankings/largest); and #7 of 13 within Nevada. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.02% and delinquency rate of 0.47%.
How does ELKO compare to other credit unions?
ELKO scores 99/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 ELKO?
ELKO 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 ELKO directly for the exact boundaries and application steps.
Is my money safe at ELKO?
Federal credit unions like ELKO 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. ELKO's net worth ratio of 13.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ELKO offer compared to banks?
Credit unions like ELKO 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 ELKO 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.