BlastPoint's Credit Union Scorecard
ELKO
Charter #13800 · NV
ELKO has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.9% in tier
- + Organic Growth Leader: Top 28.0% in tier
- + Wallet Share Momentum: Top 91.2% in tier
- + ROA 1.02% above tier average
- + Net Interest Margin 0.15% above tier average
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.9% in tier
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Indirect Auto Dependency: Bottom 70.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,534
+4.1% YoY+0.8% QoQ
|
+3.1K |
15,437
-2.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$329.3M
+9.8% YoY+3.0% QoQ
|
+$97.5M |
$231.9M
+1.3% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$221.2M
+10.8% YoY+0.8% QoQ
|
+$73.9M |
$147.3M
-0.1% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$284.4M
+9.0% YoY+3.0% QoQ
|
+$83.6M |
$200.8M
+0.8% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.8%
+0.5% YoY-23.8% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
Top 4.6% in tier |
| NIM |
3.8%
+2.2% YoY-7.9% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
63.3%
+0.8% YoY+15.6% QoQ
|
-13.8% |
77.0%
-3.1% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate |
0.5%
+642.1% YoY+38.0% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
77.8%
+1.7% YoY-2.1% QoQ
|
+5.6% |
72.2%
-1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$27,284
+5.4% YoY+1.2% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
25.4%
+17.5% YoY+2.0% QoQ
|
+1.0% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
17.4%
-15.3% YoY-6.1% QoQ
|
+3.6% | 13.8% | 22.8% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)