Elko

ELKO, NV · 1 · Charter #13800 · www.efcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$329.3M
23th percentile
Members
18,534
19th percentile
Total loans
$221.2M
28th percentile
Total shares
$284.4M
25th percentile

Profitability

Return on assets
1.79%
91th percentile
Net interest margin
3.70%
67th percentile
Efficiency ratio
50.03%
82th percentile
Non-interest income ratio
18.96%
49th percentile

Capital & Risk

Net worth ratio
13.12%
78th percentile
Delinquency rate
0.47%
74th percentile
Net charge-off rate
0.04%
97th percentile
Loan-to-share
77.78%
42th percentile

Growth

Member growth YoY
4.12%
85th percentile
Asset growth YoY
9.75%
85th percentile
Loan growth YoY
10.83%
84th percentile
Share growth YoY
8.97%
84th percentile

Operations

Members / branch
9,267
91th percentile
Assets / member
$17,770
62th percentile
Field of membership penetration
35.69%
91th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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