E L C O Federal Credit Union is a federal credit union headquartered in Elberton, Georgia, in business for about 51 years. At the end of Q2 2026 it reported $5.3M in total assets and $4.2M in member shares and deposits, with 2 offices across 2 states.
E L C O Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 71 credit unions headquartered in Georgia, it ranks 17th. Capital cushion contributes the most (100/100, 20.10%); funding & liquidity contributes the least (70/100, 90% loans-to-deposits, 0% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (75 → 84), mostly because the loan quality component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 67 |
| Q4 2024 | 75 |
| Q1 2025 | 65 |
| Q2 2025 | 75 |
| Q3 2025 | 83 |
| Q4 2025 | 84 |
| Q1 2026 | 81 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.81% |
| Q3 2024 | 19.65% |
| Q4 2024 | 20.24% |
| Q1 2025 | 19.81% |
| Q2 2025 | 19.58% |
| Q3 2025 | 19.65% |
| Q4 2025 | 20.35% |
| Q1 2026 | 19.99% |
| Q2 2026 | 20.10% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.47% |
| Q3 2024 | 2.59% |
| Q4 2024 | 1.55% |
| Q1 2025 | 2.42% |
| Q2 2025 | 1.52% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.00% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.78% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.34% |
| Q3 2024 | 1.27% |
| Q4 2024 | 1.15% |
| Q1 2025 | 0.78% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.07% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $5.3M | 20.10% | 0.78% | 1.45% | 90.2% |
| Q1 2026 | 81 | $5.2M | 19.99% | 0.82% | 1.07% | 90.9% |
| Q4 2025 | 84 | $5.1M | 20.35% | 1.00% | 1.62% | 89.6% |
| Q3 2025 | 83 | $5.1M | 19.65% | 0.98% | 1.49% | 87.5% |
| Q2 2025 | 75 | $5.0M | 19.58% | 1.52% | 1.08% | 82.6% |
| Q1 2025 | 65 | $4.8M | 19.81% | 2.42% | 0.78% | 84.3% |
| Q4 2024 | 75 | $4.7M | 20.24% | 1.55% | 1.15% | 84.6% |
| Q3 2024 | 67 | $4.8M | 19.65% | 2.59% | 1.27% | 84.3% |
| Q2 2024 | 77 | $4.7M | 19.81% | 1.47% | 1.34% | 88.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omega Psi Phi Fraternity Federal Credit UnionCredit union Toccoa, GA | 62 out of 100, Moderate | $5.5M | 9.1% | 0.81% | vs |
| Macon Firemen'S Credit UnionCredit union Macon, GA | 90 out of 100, Very strong | $5.9M | 27.1% | 0.56% | vs |
| Rig Employees Credit UnionCredit union Macon, GA | 69 out of 100, Moderate | $5.9M | 43.8% | 3.24% | vs |
| Beka Federal Credit UnionCredit union Lindale, GA | 63 out of 100, Moderate | $4.6M | 13.0% | 0.86% | vs |
| Brosnan Yard Federal Credit UnionCredit union Macon, GA | 67 out of 100, Moderate | $6.2M | 16.0% | 3.77% | vs |
| Locoga Federal Credit UnionCredit union Valdosta, GA | 48 out of 100, Below average | $4.5M | 7.1% | 1.35% | vs |
Deposit insurance
Is my money safe at E L C O Federal Credit Union?
Yes. E L C O Federal Credit Union is a federally insured credit union (NCUA charter #22083). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.10%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
E L C O Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Elberton, GA (1)
- Fairfax, VA (1)
Identity & history
Profile
- Legal name
- E L C O Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 22083
- RSSD ID
- 771980
- Primary regulator
- NCUA
- Established
- 1975
- Headquarters
- PO Box 6129, Elberton, GA 30635
- Employees
- 3
Quick answers
E L C O Federal Credit Union: common questions
Is E L C O Federal Credit Union NCUA insured?
Yes. E L C O Federal Credit Union is a federally insured credit union (NCUA charter #22083). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is E L C O Federal Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does E L C O Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Elberton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Georgia BankBank Lavonia, GA | 93 out of 100, Very strong | $650.6M | 13.4% | 0.01% | vs |
| The Peoples BankBank Iva, SC | 89 out of 100, Very strong | $446.7M | 12.9% | 0.00% | vs |
| The Commercial BankBank Crawford, GA | 79 out of 100, Strong | $463.7M | 10.7% | 0.17% | vs |
| Vallant BankBank Elberton, GA | 78 out of 100, Strong | $4.0B | 12.7% | 0.51% | vs |
| North Georgia Credit UnionCredit union Toccoa, GA | 70 out of 100, Strong | $121.7M | 11.2% | 0.39% | vs |
| SouthState Bank, National AssociationBank Winter Haven, FL | 68 out of 100, Moderate | $68.8B | 10.3% | 0.54% | vs |