Side-by-side · Q2 2026 data
Zellco Federal Credit Union vs Washington Educational Assoc Federal Credit Union
Credit union
Zellco Federal Credit Union
Bogalusa, Louisiana · Under $100 million in assets
Credit union
Washington Educational Assoc Federal Credit Union
Franklinton, Louisiana · Under $100 million in assets
Metric by metric
| Measure | Zellco Federal Credit Union | Washington Educational Assoc Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 76 | 80 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 87th | 26th |
| Total assets | $94.5M | $909K |
| Deposits / shares | $64.9M | $855K |
| Capital ratio | 31.85% (stronger) | 10.95% |
| Problem loans | 0.73% | 0.61% (stronger) |
| Net charge-offs | 0.21% (stronger) | 11.82% |
| Return on assets | 2.15% (stronger) | -4.07% |
| Loans ÷ deposits | 91.4% | 49.3% (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 63). On the 7 directional measures above (where higher or lower is clearly better), Zellco Federal Credit Union leads on 4 and Washington Educational Assoc Federal 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.
Where both have branches
- Franklinton, LA