Side-by-side · Q2 2026 data
Zellco Federal Credit Union vs Formation Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Credit union
Formation Federal Credit Union
Baton Rouge, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Zellco Federal Credit Union | Formation Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 76 (stronger) | 71 |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 69 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 87th | 54th |
| Total assets | $94.5M | $93.0M |
| Deposits / shares | $64.9M | $79.6M |
| Capital ratio | 31.85% (stronger) | 14.10% |
| Problem loans | 0.73% (stronger) | 0.88% |
| Net charge-offs | 0.21% (stronger) | 0.89% |
| Return on assets | 2.15% (stronger) | 0.58% |
| Loans ÷ deposits | 91.4% | 72.2% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 5.8% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Zellco Federal Credit Union leads on 6 and Formation Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.