Side-by-side · Q2 2026 data
Zellco Federal Credit Union vs Municipal Employees Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Credit union
Municipal Employees Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Zellco Federal Credit Union | Municipal Employees Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 55 |
| Capital cushion | 100 | 100 |
| Loan quality | 76 (stronger) | 0 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 87th | 15th |
| Total assets | $94.5M | $642K |
| Deposits / shares | $64.9M | $363K |
| Capital ratio | 31.85% | 42.77% (stronger) |
| Problem loans | 0.73% (stronger) | 8.90% |
| Net charge-offs | 0.21% | 0.00% (stronger) |
| Return on assets | 2.15% (stronger) | -0.86% |
| Loans ÷ deposits | 91.4% | 12.2% (stronger) |
| Uninsured deposits | 3.7% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Zellco Federal Credit Union has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Zellco Federal Credit Union leads on 3 and Municipal Employees Federal Credit Union on 4. 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.