TellerScore

Headquartered in Elko, Nevada, Elko Federal Credit Union is a federal credit union with $351.3M in total assets and $302.7M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1960.

Based on its Q2 2026 filing, Elko Federal Credit Union scores 91/100, which we describe as very strong. That is higher than 96% of 1,341 credit unions with $100 million – $1 billion. Among 13 credit unions headquartered in Nevada, it ranks 3rd. Its strongest component is earnings (100/100; 2.44%), and its lowest is funding & liquidity (86/100; 74% loans-to-deposits, 10% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.59%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings100/100
Return on assets (annualized): 2.44%
Funding & liquidity86/100
Loans ÷ shares: 73.9% · 9.6% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (88 → 91), mostly because the capital cushion component improved by 6 points.

TellerScore
858891Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202490
Q4 202488
Q1 202589
Q2 202588
Q3 202590
Q4 202585
Q1 202691
Q2 202691
Net worth ratio
7.00%10.29%13.59%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.51%
Q3 202412.76%
Q4 202412.48%
Q1 202512.54%
Q2 202512.98%
Q3 202513.45%
Q4 202513.12%
Q1 202613.02%
Q2 202613.59%
Delinquent loans (60+ days)
0.05%0.26%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.12%
Q4 20240.06%
Q1 20250.14%
Q2 20250.34%
Q3 20250.34%
Q4 20250.47%
Q1 20260.13%
Q2 20260.34%
Return on assets
1.74%2.09%2.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.22%
Q3 20242.26%
Q4 20241.74%
Q1 20252.21%
Q2 20252.22%
Q3 20252.32%
Q4 20251.75%
Q1 20262.27%
Q2 20262.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$351.3M13.59%0.34%2.44%73.9%
Q1 202691$349.2M13.02%0.13%2.27%71.9%
Q4 202585$329.3M13.12%0.47%1.75%77.8%
Q3 202590$319.8M13.45%0.34%2.32%79.5%
Q2 202588$315.4M12.98%0.34%2.22%77.2%
Q1 202589$312.5M12.54%0.14%2.21%74.3%
Q4 202488$300.1M12.48%0.06%1.74%76.5%
Q3 202490$291.1M12.76%0.12%2.26%78.4%
Q2 202489$282.7M12.51%0.05%2.22%78.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.59%
75th
Problem loans0.34%
79th
Net charge-offs0.09%
86th
Return on assets2.44%
99th
Loans to deposits73.9%
54th
Uninsured deposits9.6%
19th
Loan-loss reserves0.00%
50th
Texas ratio1.6%
81st

Similar-size credit unions in Nevada

InstitutionScoreAssetsCapitalProblem loansCompare
Great Basin Federal Credit UnionCredit union Reno, NV62 out of 100, Moderate$372.7M10.6%1.20%vs
Financial Horizons Credit UnionCredit union Hawthorne, NV88 out of 100, Very strong$313.0M13.0%0.08%vs
Weststar Credit UnionCredit union Las Vegas, NV68 out of 100, Moderate$272.7M10.8%0.49%vs
Sierra Pacific Federal Credit UnionCredit union Reno, NV83 out of 100, Strong$189.4M13.6%0.57%vs
Plus Credit UnionCredit union Las Vegas, NV79 out of 100, Strong$126.1M12.5%0.12%vs
Boulder Dam Credit UnionCredit union Boulder City, NV93 out of 100, Very strong$871.5M14.8%0.21%vs

Deposit insurance

Is my money safe at Elko Federal Credit Union?

Yes. Elko Federal Credit Union is a federally insured credit union (NCUA charter #13800). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.6% of shares and deposits ($29.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.59%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Elko Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Elko Federal Credit Union
Type
Federal credit union
NCUA charter #
13800
RSSD ID
556486
Primary regulator
NCUA
Established
1960
Headquarters
2397 Mountain City Hwy, Elko, NV 89801
Employees
50

Quick answers

Elko Federal Credit Union: common questions

Is Elko Federal Credit Union NCUA insured?

Yes. Elko Federal Credit Union is a federally insured credit union (NCUA charter #13800). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Elko Federal Credit Union's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Elko Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Elko

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Greater Nevada Credit UnionCredit union Carson City, NV22 out of 100, Low$1.7B3.5%3.98%vs