ELKO
Charter #13800 · ELKO, NV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.34% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.25% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.29% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 66th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ELKO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $349.24M | 81th pct | 66th pct |
| Members | 18,634 | 73th pct | 61th pct |
| Net worth ratio | 13.02% | 69th pct | 72th pct |
| Return on average assets | 2.34% | 98th pct | 97th pct |
| Net interest margin | 4.25% | 82th pct | 95th pct |
| Cost of funds | 1.22% | 50th pct | 41th pct |
| Loan-to-share | 71.94% | 50th pct | 46th pct |
| Delinquency 60+ days | 0.13% | 9th pct | 11th pct |
| Net charge-off ratio | 0.16% | 26th pct | 38th pct |
| Loan growth YoY | -0.78% | 38th pct | 23th pct |
| Share growth YoY | 9.61% | 96th pct | 92th pct |
| Efficiency ratio | 56.29% | 5th pct | 3th pct |
structural peer set hash: 3e3e7973deb0283b9f034598c838d497… (reproducible)
Closest structural peers
This is the free public view
Claim ELKO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.