# ELKO
ELKO, NV · NCUA charter 13800 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/elko-13800

Who the members are: federal charter, community charter, organized 1960. 18,634 members of 51,935 potential (35.9% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *fortress*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $349.2M |
| Members | 18,634 (3.8% YoY) |
| Full-time staff | 38 |
| Net worth | $45.5M |
| Net worth ratio | 13.0% (p72 of band) |
| ROA (annualized) | 2.27% (p99 of band) |
| Total delinquency | 0.13% (p8 of band) |
| Net charge-offs (annualized) | 0.16% (p23 of band) |
| Loans / shares | 72% (p46 of band) |
| Cash / assets | 25.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p83 of band) |
| Operating expense / assets | 2.93% (p21 of band) |
| Vehicles % of loans | 25% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 70% |
| Third-party paper % of net worth | 94% (p55 of band) |
| Vehicle delinquency | 0.15% (p12 of band) |
| Vehicle NCO | 0.67% (p53 of band) |
| Repossessed % of vehicle book | 0.06% (p64 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 84% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 25% |
| Average share balance | $8,937 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $9.8M |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $38,750 |
| Loans granted, annualized | $66.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $9.8M outstanding purchased (21.6% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | net worth falling, 3rd-party paper>100% NW | delinquency rising |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 |  | delinquency rising |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | margin squeeze |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | delinquency rising |  |
| 2021-03 | 3 |  | delinquency rising |
| 2021-06 | 3 |  |  |
| 2021-09 | 0 |  | 3rd-party paper>100% NW, net worth falling, margin squeeze |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | net worth falling |  |
| 2022-06 | 1 | delinquency rising | net worth falling |
| 2022-09 | 0 |  | delinquency rising |
| 2022-12 | 1 | 3rd-party paper>100% NW |  |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | delinquency rising |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 | net worth falling | 3rd-party paper>100% NW, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-24 [Greater Nevada Credit Union in Elko to merge with national banking chain - Elko Daily Free Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxNalZCTEE0MEpjRTJoLVh4QXV0MVVBOVZ1MlFpZnM2WkdxNXJjMnYtbDY3bDdHd1Z0dE1teDktSzgtSzZWTXpWYU9rZVlBZDRLc3JrNWZ0TVplanpTX1A0NDk2b0hNcDVaLWUyM2lfVDBFOExyUXRZS0VqU19xZ2xFcWdZam5SUTN4eUE?oc=5) · Elko Daily Free Press
- 2026-09-04 [California, Nevada Credit Union Groups Name 2026 Award Winners - cutoday.info](https://news.google.com/rss/articles/CBMipgFBVV95cUxNVE5rOHZvOXpkQ1RQWmVnNVI4NkFWVGNSVHBZUXp4NkdDUlNNb094SjFSWDlLM0FnUERmQzFCeDhQX1dmbDF0MUlGNDZFVGFvTlMtLTJhaDUzbFBEczJCWlJUZzdJZHAzeXVrVnhKZFJGMUFKck5aRndWY1pXS0ljQWFGUmRqd1V2ckU1YmllemMzX2VKM3h6M1ZubHQyemZuZW55RWdB?oc=5) · cutoday.info
- 2026-01-29 [The Best Savings Accounts in Nevada for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE5SWXl6WVNqQldKdE5CTXRhMWlJY21Td0hMQ0JQbzNhTWhFbTlmRVpXR1J4ak1EeGx6ejlBVmd6V2xFaVF4YUFfOFc0YU1fYzRGY3ZYcXg3QWR2SlN2UHpMbGh4R0FLWi1DSkxMUE5BTUhRWmhZU1E?oc=5) · moneyrates.com
- 2026-08-24 [Wildfires burn in eastern Elko County - Elko Daily Free Press](https://news.google.com/rss/articles/CBMiigFBVV95cUxOTlBsRi1UczNzY0wyWUpnNEdJTWdEMVhWdHdnMlBxVHRzTUIyTWY3Vm5qLXlBVHVCVDdqaXh2TjFVUG1mQkhael81T2xzQ2c4bVZFbWdxUnVXMURXeV9UOTVGeVlxRjNpUVAxWEVIeWV0aHhOWjNndmhfaG5fcU9fc1hPWVM3VXZWd0E?oc=5) · Elko Daily Free Press
- 2026-03-06 [Kay Paoli Obituary (1937 - 2026) - Elko, NV - Elko Daily - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWWF2NW9TdlhNUlhkSXZGaUtEaTI0M0tuVnAtNHUtbGZNRlFnbGZ3dnJtSTNIYS03a0o5QkdJaFFlQUNZOUxBNjBfa2Zra0dTNmxleHN3SXZiaklZN1lIYzdZTGcxclJvT3JOTGpibVNhYkR0WDFEQlhNckpTd3lReHpwcUNvbFpPdGc?oc=5) · legacy.com
- 2026-05-12 [Nevada lender among 10 booted from USDA loan program - KLAS 8 News Now](https://news.google.com/rss/articles/CBMimgFBVV95cUxPTnA5Zl9PWWdJOURtbGRiT3ZMeUJ2YXFwb2h0YkhlWjktSDlMSHVURUVnU2ZxS1JJWmJ1UDFNWU11UEdXbWwyd21YRENTRG5xQjlyYjhrVXZpSjI5TmIzendxeXBfaFROWU5LN0o0VFhVUEZrbjdOS296VnRjQ2ZBVjZ0NUU3cDNiVl9CVDZhelFEalRXejNpU2V30gGfAUFVX3lxTFBOVWRQd3R3Q1FfT1Q0WnhYZy1Wd2JtN0FIR2xveG84dWY3U0Y4UU9tWWF4Z1EzTUVDUXpMUlRkc2ZvbW1nVXJaTTVZQkZrZHRIM2xmbXBUUXpqLWFmcWtGOHJvZmo5R1ZpbWJQY296dnVCZ0RyWW5SWWV6eFFaZ29YYzJ6UkJWcGF5dm1iRW1qMzFBRk51QW9BUER6ZWVOZw?oc=5) · KLAS 8 News Now
- 2026-09-02 [23 leaders & organizations honored for excellence, achievements, and contributions to the credit union movement - CUInsight](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQdXBWajNJcUxUZnBOTldCZXZBbnhKU1NaTUdZYTdvd3FyMVAxMTh4YjNaazVsNkNOMVNnZGRlaVZVSm8zMk9FemU0S2hJS2hUeXF5Uk4wYlVPOERMR0ZCYXNyeldQU2tTN055Mmp3RUt4X0JCamNXOWI2b0Jfd2xsS3B0TzdLZm5nNTFEV0FJY2xUZXRRMkU5SzZGeWJBd1JiS0d4RXlFWnlyZ1Y5VnQ1U3o4Y2l6dkplcFl6ZXlZY1lBUmVrdXZDM0NJbVRWYzdJUGdBTm5pNnR4Q1NuZE9XZUFNQzM?oc=5) · CUInsight
- 2022-02-25 [The first Wolf Pack co-branded debit card has arrived - Nevada Sports Net](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMFpQVXIxVWJ2dzZtaFNqVW5YRmJJR24yOE1EVVhkZ1FOSW5OV2ZOdVVLcVFZOS16SFgtZFhrRF9GZ0FuNVdxT1dZbDBtLWE5Skp4d0J3QUxOUDQ1ZFFYT0ZzTC1xTlJGU2FEckMxUkwxZEhDOGtHdXNrbWotQXZCcDNiRi1WTWNmNk93a0poeEJuXzg5QmQ2UzFjazQ?oc=5) · Nevada Sports Net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13800 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/40.json (key "13800", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13800
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide