BlastPoint's Credit Union Scorecard
ELKO
Charter #13800 · NV
ELKO has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.54% above tier average
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio: Top 5.0% in tier
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 6.8% in tier
- + Total Delinquency Rate (60+ days): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,634
+3.7% YoY+0.5% QoQ
|
+3.5K |
15,145
-2.5% YoY
|
32,180
+2.8% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$349.2M
+11.8% YoY+6.0% QoQ
|
+$117.5M |
$231.7M
+0.8% YoY
|
$671.4M
+1.9% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$217.8M
+7.7% YoY-1.6% QoQ
|
+$73.7M |
$144.1M
+0.2% YoY
|
$412.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$302.8M
+11.1% YoY+6.4% QoQ
|
+$101.6M |
$201.1M
+0.4% YoY
|
$596.1M
+1.1% YoY
|
$494.3M
+9.1% YoY
|
81% |
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| ROA |
2.3%
+0.7% YoY+27.5% QoQ
|
+1.5% |
0.7%
+5.1% YoY
|
1.1%
+7.8% YoY
|
0.4%
-39.2% YoY
|
Top 2.0% in tier |
| NIM |
4.1%
+2.2% YoY+9.9% QoQ
|
+0.5% |
3.6%
+4.6% YoY
|
3.4%
+4.6% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
56.3%
+0.6% YoY-11.0% QoQ
|
-21.7% |
78.0%
-1.7% YoY
|
66.3%
-4.8% YoY
|
84.6%
+2.8% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
0.1%
-5.5% YoY-71.9% QoQ
|
-0.6 |
0.8%
+7.1% YoY
|
0.7%
-19.9% YoY
|
1.2%
+3.4% YoY
|
Top 8.8% in tier |
| Loan To Share |
71.9%
-3.1% YoY-7.5% QoQ
|
+1.5% |
70.4%
-0.4% YoY
|
62.0%
+3.3% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$27,938
+5.7% YoY+2.4% QoQ
|
+$3K |
$24,918
+2.7% YoY
|
$29,327
+2.2% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
24.7%
+6.0% YoY-2.6% QoQ
|
+0.5% | 24.3% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
17.1%
-18.3% YoY-2.0% QoQ
|
+3.3% | 13.8% | 23.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)