ELKO

Charter #13800 | NV

100M-500M (1077 CUs) Micro
6 100M-500M in NV

ELKO has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.5% in tier
  • + Organic Growth Leader: Top 8.3% in tier
  • + Relationship Depth Leader: Top 9.3% in tier
  • + Wallet Share Momentum: Top 16.7% in tier
  • + ROA 1.55% above tier average
  • + Net Interest Margin 0.49% above tier average
  • + Efficiency Ratio: Top 4.2% in tier
  • + Net Charge-Off Rate: Top 5.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 6.2% in tier
  • - Credit Quality Pressure: Bottom 13.6% in tier
  • - Indirect Auto Dependency: Bottom 20.0% in tier
  • - Liquidity Overhang: Bottom 23.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 18,391
+4.3% YoY+1.4% QoQ
 +2.8K 15,628
-3.4% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 69th in tier
Assets $319.8M
+9.9% YoY+1.4% QoQ
 +$88.5M $231.3M
-0.0% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 23.8% in tier
Loans $219.5M
+10.6% YoY+3.8% QoQ
 +$71.7M $147.8M
-1.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 Top 20.2% in tier
Deposits $276.2M
+9.1% YoY+0.9% QoQ
 +$75.9M $200.3M
-0.0% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 Top 23.1% in tier
ROA 2.3%
+1.7% YoY+4.6% QoQ
 +1.5% 0.8%
+15.5% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 Top 1.5% in tier
NIM 4.1%
-0.3% YoY+0.8% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 Top 22.9% in tier
Efficiency Ratio 54.7%
-2.4% YoY-2.8% QoQ
 -22.5% 77.3%
-3.0% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Bottom 4.2% in tier
Delinquency Rate 0.3%
+185.5% YoY+1.0% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 Bottom 21.4% in tier
Loan To Share 79.5%
+1.4% YoY+3.0% QoQ
 +6.8% 72.7%
-1.5% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 61st in tier
AMR $26,956
+5.2% YoY+0.7% QoQ
 +$3K $24,363
+2.9% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 73rd in tier
CD Concentration 24.9%
+21.2% YoY+0.2% QoQ
 +0.5% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 18.5%
-11.0% YoY-5.5% QoQ
 +4.6% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#46 of 603 • Top 2.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.32%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.33%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 18.53%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#111 of 430 • Top 8.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.32%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#258 of 1006 • Top 9.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#461 of 1006 • Top 16.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.18%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Growth-at-Risk

risk
#93 of 446 • Bottom 6.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.55%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#337 of 736 • Bottom 13.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.22% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#323 of 525 • Bottom 20.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.87%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 18.53%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.32%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#370 of 552 • Bottom 23.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.45%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.47%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (13 metrics)

16
Return on Assets (ROA)
profitability
Value: 2.33%
Peer Avg: 0.79%
#16 of 1077 Top 1.4% in 100M-500M tier
46
Efficiency Ratio
profitability
Value: 54.73%
Peer Avg: 77.28%
#46 of 1077 Top 4.2% in 100M-500M tier
62
Net Charge-Off Rate
risk
Value: 0.04%
Peer Avg: 0.47%
#62 of 1077 Top 5.7% in 100M-500M tier
125
Asset Growth Rate
growth
Value: 9.87%
Peer Avg: 4.70%
#125 of 1077 Top 11.5% in 100M-500M tier
128
Member Growth Rate
growth
Value: 4.32%
Peer Avg: 0.72%
#128 of 1077 Top 11.8% in 100M-500M tier
148
Loan Growth Rate
growth
Value: 10.55%
Peer Avg: 3.45%
#148 of 1077 Top 13.6% in 100M-500M tier
162
Deposit Growth Rate
growth
Value: 9.07%
Peer Avg: 4.69%
#162 of 1077 Top 14.9% in 100M-500M tier
218
Total Loans
balance_sheet
Value: $219.52M
Peer Avg: $147.80M
#218 of 1077 Top 20.1% in 100M-500M tier
231
Total Delinquency Rate (60+ days)
risk
Value: 0.34%
Peer Avg: 0.86%
#231 of 1077 Top 21.4% in 100M-500M tier
247
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: 3.58%
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available