Side-by-side · Q2 2026 data
E L C O Federal Credit Union vs North Georgia Credit Union
Metric by metric
| Measure | E L C O Federal Credit Union | North Georgia Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 74 | 87 (stronger) |
| Earnings | 78 (stronger) | 43 |
| Funding & liquidity | 70 | 76 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 75th | 51st |
| Total assets | $5.3M | $121.7M |
| Deposits / shares | $4.2M | $105.9M |
| Capital ratio | 20.10% (stronger) | 11.15% |
| Problem loans | 0.78% | 0.39% (stronger) |
| Net charge-offs | 0.42% | 0.18% (stronger) |
| Return on assets | 1.45% (stronger) | 0.58% |
| Loans ÷ deposits | 90.2% | 84.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
E L C O Federal Credit Union has the higher TellerScore (84 vs 70). On the 7 directional measures above (where higher or lower is clearly better), E L C O Federal Credit Union leads on 4 and North Georgia Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.