Side-by-side · Q2 2026 data
FNB Picayune Bank vs Zellco Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | FNB Picayune Bank | Zellco Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 58 | 76 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 86 | 97 (stronger) |
| Peer percentile | 90th | 87th |
| Total assets | $282.3M | $94.5M |
| Deposits / shares | $241.0M | $64.9M |
| Capital ratio | 15.44% | 31.85% (stronger) |
| Problem loans | 1.26% | 0.73% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.21% |
| Return on assets | 3.28% (stronger) | 2.15% |
| Loans ÷ deposits | 75.1% (stronger) | 91.4% |
| Uninsured deposits | 17.0% | 3.7% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), FNB Picayune Bank leads on 3 and Zellco Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.