Zellco Federal Credit Union (NCUA charter #871) is based in Bogalusa, Louisiana. Its Q2 2026 call report shows $94.5M in total assets and $64.9M in member shares and deposits and 4 offices across 2 states.
Based on its Q2 2026 filing, Zellco Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 136 credit unions headquartered in Louisiana, it ranks 10th. Its strongest component is capital cushion (100/100; 31.85%), and its lowest is funding & liquidity (69/100; 91% loans-to-deposits, 4% 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 fell 2 points (91 → 89), mostly because the funding & liquidity component weakened by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 92 |
| Q4 2024 | 91 |
| Q1 2025 | 91 |
| Q2 2025 | 91 |
| Q3 2025 | 88 |
| Q4 2025 | 88 |
| Q1 2026 | 88 |
| Q2 2026 | 89 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 30.81% |
| Q3 2024 | 31.00% |
| Q4 2024 | 31.58% |
| Q1 2025 | 30.50% |
| Q2 2025 | 30.45% |
| Q3 2025 | 30.87% |
| Q4 2025 | 30.95% |
| Q1 2026 | 31.43% |
| Q2 2026 | 31.85% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.77% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.90% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.73% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.38% |
| Q3 2024 | 2.37% |
| Q4 2024 | 2.28% |
| Q1 2025 | 2.26% |
| Q2 2025 | 2.13% |
| Q3 2025 | 2.26% |
| Q4 2025 | 2.15% |
| Q1 2026 | 2.21% |
| Q2 2026 | 2.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $94.5M | 31.85% | 0.73% | 2.15% | 91.4% |
| Q1 2026 | 88 | $94.2M | 31.43% | 0.82% | 2.21% | 89.9% |
| Q4 2025 | 88 | $94.0M | 30.95% | 0.90% | 2.15% | 88.8% |
| Q3 2025 | 88 | $92.8M | 30.87% | 0.87% | 2.26% | 88.3% |
| Q2 2025 | 91 | $92.1M | 30.45% | 0.59% | 2.13% | 86.5% |
| Q1 2025 | 91 | $90.4M | 30.50% | 0.58% | 2.26% | 87.2% |
| Q4 2024 | 91 | $85.7M | 31.58% | 0.49% | 2.28% | 92.9% |
| Q3 2024 | 92 | $85.9M | 31.00% | 0.38% | 2.37% | 91.9% |
| Q2 2024 | 89 | $84.8M | 30.81% | 0.77% | 2.38% | 91.2% |
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 Louisiana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Formation Federal Credit UnionCredit union Baton Rouge, LA | 76 out of 100, Strong | $93.0M | 14.1% | 0.88% | vs |
| Wesla Federal Credit UnionCredit union Shreveport, LA | 81 out of 100, Strong | $93.0M | 14.9% | 1.02% | vs |
| Bayou Federal Credit UnionCredit union Baton Rouge, LA | 84 out of 100, Strong | $82.5M | 15.9% | 0.30% | vs |
| Baton Rouge Fire Department Federal Credit UnionCredit union Baton Rouge, LA | 92 out of 100, Very strong | $82.1M | 22.0% | 0.52% | vs |
| Professional Fire Fighters Credit UnionCredit union Shreveport, LA | 81 out of 100, Strong | $72.6M | 19.3% | 1.49% | vs |
| Maple Federal Credit UnionCredit union Lafayette, LA | 78 out of 100, Strong | $71.6M | 15.4% | 0.95% | vs |
Deposit insurance
Is my money safe at Zellco Federal Credit Union?
Yes. Zellco Federal Credit Union is a federally insured credit union (NCUA charter #871). 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 3.7% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 31.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Zellco Federal Credit Union lists 4 offices in 3 cities across 2 states. Most locations:
- Bogalusa, LA (2)
- Columbia, MS (1)
- Franklinton, LA (1)
Identity & history
Profile
- Legal name
- Zellco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 871
- RSSD ID
- 995179
- Primary regulator
- NCUA
- Established
- 1935
- Headquarters
- 520 Avenue V, Bogalusa, LA 70427
- Employees
- 25
Quick answers
Zellco Federal Credit Union: common questions
Is Zellco Federal Credit Union NCUA insured?
Yes. Zellco Federal Credit Union is a federally insured credit union (NCUA charter #871). 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 Zellco Federal Credit Union's TellerScore?
89 out of 100 (Very 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 Zellco Federal Credit Union have?
4 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Bogalusa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Department of Corrections Credit UnionCredit union Baton Rouge, LA | 90 out of 100, Very strong | $126.3M | 23.4% | 0.57% | vs |
| FNB Picayune BankBank Picayune, MS | 86 out of 100, Very strong | $282.3M | 15.4% | 1.26% | vs |
| First Southern BankBank Columbia, MS | 83 out of 100, Strong | $317.3M | 10.6% | 0.00% | vs |
| Red River BankBank Alexandria, LA | 82 out of 100, Strong | $3.3B | 12.5% | 0.11% | vs |
| Citizens Savings BankBank Bogalusa, LA | 81 out of 100, Strong | $329.1M | 14.3% | 0.74% | vs |
| Chevron Federal Credit UnionCredit union Concord, CA | 81 out of 100, Strong | $5.4B | 12.4% | 0.38% | vs |