Wells Fargo National Bank West vs Elko
Comparing a Bank in Las Vegas, NV with a Credit Union in Elko, NV using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Wells Fargo National Bank West ↗ Bank · Las Vegas, NV · Est. 1988 | Elko ↗ Credit Union · Elko, NV · Est. 1960 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Las Vegas, NV | Elko, NV |
| Total assets | $9.0B | $349.2M |
| Capital ratio | 18.2% | 13.0% |
| Return on assets | 1.0% | 2.3% |
| Deposits | $7.2B | — |
| Branches | 1 | 18,634 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 15 | #3 of 13 |
| Established | 1988 | 1960 |
Wells Fargo National Bank West
- Assets: $9.0B
- Deposits: $7.2B
- Capital ratio: 18.2%
- Return on assets: 1.0%
- CFPB complaints: 0
- State rank: #3 of 15
Elko
- Assets: $349.2M
- Members: 18,634
- Capital ratio: 13.0%
- Return on assets: 2.3%
- CFPB complaints: 0
- State rank: #3 of 13
Are both institutions federally insured?
Yes. Wells Fargo National Bank West is FDIC-insured and Elko 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, Wells Fargo National Bank West or Elko?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Wells Fargo National Bank West 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 Wells Fargo National Bank West safe?
Yes — Wells Fargo National Bank West is FDIC-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 Elko safe?
Yes — Elko 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 Wells Fargo National Bank West vs Elko?
Wells Fargo National Bank West has a capital ratio of 18.2%, placing it in the top 3% of $1B–10B peers. Elko's ratio is 13.0%, placing it in the top 28% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Wells Fargo National Bank West have compared to Elko?
The CFPB database shows 0 complaints against Wells Fargo National Bank West, and 0 complaints against Elko. 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 Wells Fargo National Bank West with other Banks in Nevada
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
