ELKO
Federal • ELKO, Nevada • Est. 1960
Quick Facts
- Charter Number
- #13800
- Type
- Federal
- Established
- 1960
- Headquarters
- ELKO, Nevada 89801
- Address
- 2397 MOUNTAIN CITY HWY
- Branches
- 2
- ATMs
- 2
- Members
- 18,534
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
18,534 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ELKO |
|---|---|
| Total Assets | $329.3M |
| Members | 18,534 |
| Loans Outstanding | $221.2M |
| Shares & Deposits | $284.4M |
| Net Worth | $43.2M |
| Net Worth Ratio | 13.12% |
| Loan-to-Share Ratio | 77.8% |
| Delinquency Rate | 0.47% |
| Net Income | +$5,888,455 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Elko
Main Office2397 Mountain City Hwy
Elko, NV 89801
Spring Creek
580 Spring Valley Ct
Spring Creek, NV 89815-6812
Who Can Join ELKO?
Membership Type: Community
Membership eligibility for ELKO may vary. Contact the credit union directly to confirm qualification requirements.
Contact ELKO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Nevada RankingsFrequently Asked Questions
Yes. ELKO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ELKO has 18,534 members and a potential membership field of 51,935 people.
ELKO's net worth ratio is 13.12% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.1%, ELKO meets this threshold.
ELKO operates 2 branch locations and has access to 2 ATMs. The main office is located at 2397 Mountain City Hwy, Elko, NV 89801.
ELKO was established in 1960. It is a federal credit union chartered under charter number 13800. The institution has been serving members for 66 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ELKO. All financial data is for informational purposes only.