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
Call Report peers
ELKO in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ELKO sits in 95-99 with 391 others.
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 vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 77.78% here, 72.20% peer average (+5.58 pp).
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.
- One place up in Nevada, Clark County (#1) scores 100/100, 1 point higher; one place down, Financial Horizons (#3) scores 98/100, 1 point lower.
ELKO: 2025Q4 → 2026Q1
ELKO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.0% from $329.3M (2025Q4) to $349.2M (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.12% → 13.02%).
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
ELKO gives up 1 points in total. Member Growth costs the most, 1.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ELKO financially healthy?
On its 2025Q4 NCUA 5300 filing, ELKO scores 99/100 (Excellent), with a 13.02% net worth ratio and 0.47% of loans delinquent. It ranks #51 of 4,374 nationally on health and #2 of 13 in Nevada.
How does ELKO compare to other credit unions?
ELKO scores 99/100, higher than 98% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.78% vs 72.20%).
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?
ELKO is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.