Elko vs Sierra Pacific
Comparing a Credit Union in Elko, NV with a Credit Union in Reno, NV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Elko ↗ Credit Union · Elko, NV · Est. 1960 | Sierra Pacific ↗ Credit Union · Reno, NV · Est. 1936 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Elko, NV | Reno, NV |
| Total assets | $349.2M | $187.8M |
| Net worth ratio | 13.0% | 13.5% |
| Return on assets | 2.3% | 1.1% |
| Shares & deposits | — | — |
| Members | 18,634 | 10,886 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 13 | #1 of 13 |
| Established | 1960 | 1936 |
Elko
- Assets: $349.2M
- Members: 18,634
- Capital ratio: 13.0%
- Return on assets: 2.3%
- CFPB complaints: 0
- State rank: #3 of 13
Sierra Pacific
- Assets: $187.8M
- Members: 10,886
- Capital ratio: 13.5%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #1 of 13
Are both institutions federally insured?
Yes. Elko is NCUA-insured and Sierra Pacific is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Elko or Sierra Pacific?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Elko scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Elko safe?
Yes — Elko is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Sierra Pacific safe?
Yes — Sierra Pacific is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Elko vs Sierra Pacific?
Elko has a net worth ratio of 13.0%, placing it in the top 28% of $100M–1B peers. Sierra Pacific's ratio is 13.5%, placing it in the top 24% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Elko have compared to Sierra Pacific?
The CFPB database shows 0 complaints against Elko, and 0 complaints against Sierra Pacific. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Elko with other Credit Unions in Nevada
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
