Unverified listing What this means
The Lender Report built this page from public records. ELKO Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ELKO Credit Union itself. Each figure shows its source and date. Work at ELKO Credit Union? You can claim this page for free.
Credit union, Elko, NV
ELKO Credit Union
A credit union based in Elko, NV. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $39.1M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 5
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 3
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $351M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 775-738-4083 From the NCUA record, June 30, 2026.
- Website
- www.efcu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- efcu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ELKO; Elko FCUNCUA 5300,
- Address
- 2397 Mountain City Hwy, Elko, NV 89801NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community - Rural District.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. ELKO Credit Union's Non-owner-occupied CRE balance rose 10.4% to $14.4M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 10.3% to $15.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 18.4% to $14.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 29.0% to $7M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | Nevada | SBA 504, Hotels (except Casino Hotels) and Motels | $900K | 25 yr | SBA FOIA | ||
| Feb 2024 | Nevada | SBA 504, Mining, Quarrying, and Oil and Gas Extraction | $920K | 20 yr | SBA FOIA | ||
| 3 SBA 504 first liens since October 2023, net of cancelled | $2.00M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $1.76M | 0.8% | +11.3% | 6 | $293K |
| Construction and land development | $158K | 0.1% | Not reported | 1 | $158K |
| Owner-occupied CRE | $15.6M | 7.0% | +10.3% | 33 | $473K |
| Non-owner-occupied CRE | $14.4M | 6.5% | +18.4% | 20 | $721K |
| Farmland | $128K | 0.1% | Not reported | 1 | $128K |
| Commercial and industrial | $7.02M | 3.1% | +29.0% | 56 | $125K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $39.1M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $32.0M |
| Q4 2023 | $32.1M |
| Q1 2024 | $32.9M |
| Q2 2024 | $31.6M |
| Q3 2024 | $31.4M |
| Q4 2024 | $31.1M |
| Q1 2025 | $31.8M |
| Q2 2025 | $34.3M |
| Q3 2025 | $35.6M |
| Q4 2025 | $37.8M |
| Q1 2026 | $38.0M |
| Q2 2026 | $39.1M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 3 | $2.00M | $900K | $920K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 5 | $2.27M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $87K | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 4 | $2.19M | NCUA 5300, | ||
| C&I | First half of 2026 | 8 | $1.71M | NCUA 5300, |
How these public files were tied to this lender. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $158K |
| Multifamily | $293K |
| Owner-occupied CRE | $473K |
| Non-owner-occupied CRE | $721K |
| Farmland | $128K |
| Commercial and industrial | $125K |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Nevada HQ | 2 | 0 | 3 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $43.0M | $23.2M to $161M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $37.8M | $1.49M to $43.6M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 87.8% | 3.3% to 102.3% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $7.16M | $3.85M to $20.0M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 34.2% | 0.0% to 47.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 63.7% | 41.7% to 83.0% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Great Basin Credit Union | NV | $373M | $4.17M |
| Financial Horizons Credit Union | NV | $313M | $19.3M |
| Sierra Pacific Credit Union | NV | $189M | $17.4M |
| Boulder Dam Credit Union | NV | $872M | $11.8M |
| Unitedone Credit Union | WI | $348M | $41.1M |
| Silver State Schools Credit Union | NV | $1.31B | $32.7M |
| Alliance Credit Union | MO | $423M | $23.7M |
| Oregonians Credit Union | OR | $339M | $7.40M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. ELKO Credit Union, NCUA charter 13800. Compare it with the regulator's record. [NCUA profile]
- Balances. $351M in total assets and $39.1M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 5 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 3 loans in SBA files, through September 30, 2026: 3 SBA 504 first liens in 36 months. [How each file was tied to ELKO Credit Union]
- Phone and website. Phone 775-738-4083, from the NCUA record. Website efcu.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 13800
- RSSD
- 556486
- The Lender Report ID
- lr_003239
- Main office county
- Elko
- Members
- 18,944
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $351.3M in total assets as of June 30, 2026 (NCUA 5300).
- Held $39.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $15.6M of owner-occupied commercial real estate loans as of June 30, 2026, up 10.3% from a year earlier (NCUA 5300).
- Held $14.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 18.4% from a year earlier (NCUA 5300).
- Held $7M of commercial and industrial loans as of June 30, 2026, up 29.0% from a year earlier (NCUA 5300).
- Provided the first lien on 3 SBA 504 projects with $2M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
3 more sentences
- Originated 5 real-estate-secured commercial loans totaling $2.3M in the first half of 2026 (NCUA 5300).
- Held $8.6M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 2 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, ELKO Credit Union, https://lender.report/lender/elko-credit-union-nv/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem