BlastPoint's Credit Union Scorecard
ELKO
Charter #13800 · NV
ELKO has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.58% above tier average
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio: Top 3.1% in tier
- + Asset Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Nevada.
- Shares and deposits +10.5% year over year ($303M in shares and deposits).
- Membership: 18,844 members, +3.9% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 2.44%.
- Efficiency ratio 52.53% vs a 76.73% peer average.
- Loan-to-share ratio 73.94% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,844
+3.9% YoY+1.1% QoQ
|
+3.7K |
15,168
-2.6% YoY
|
30,953
-1.9% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$351.3M
+11.4% YoY+0.6% QoQ
|
+$119.3M |
$232.0M
+0.7% YoY
|
$560.7M
-15.0% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$223.8M
+5.9% YoY+2.7% QoQ
|
+$77.5M |
$146.3M
+0.2% YoY
|
$340.9M
-13.9% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$302.7M
+10.5% YoY-0.0% QoQ
|
+$101.9M |
$200.7M
+0.2% YoY
|
$498.9M
-14.9% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
2.4%
+9.6% YoY+7.7% QoQ
|
+1.6% |
0.9%
+12.5% YoY
|
1.1%
+13.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.0% in tier |
| NIM |
4.1%
+2.4% YoY+0.4% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.5%
+6.2% YoY
|
3.8%
+2.3% YoY
|
78% |
| Efficiency Ratio |
52.5%
-6.7% YoY-6.7% QoQ
|
-24.2% |
76.7%
-0.8% YoY
|
64.7%
-5.7% YoY
|
83.0%
-5.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.3%
-0.3% YoY+154.4% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.0%
+20.8% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
73.9%
-4.2% YoY+2.8% QoQ
|
+2.4% |
71.5%
-0.3% YoY
|
62.4%
+0.7% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$27,937
+4.4% YoY-0.0% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$25,344
-12.5% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
25.3%
+1.7% YoY+2.1% QoQ
|
+0.7% | 24.6% | 18.1% | 20.0% | 50% |
| Indirect Auto % |
16.4%
-16.2% YoY-3.7% QoQ
|
+2.8% | 13.6% | 25.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)