Federal credit union · Elberton, Georgia · NCUA charter #22083
E L C O
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $5.1M
- Total assets
- 685
- Members
- 20.0%
- Net-worth ratio
E L C O scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.1M; members 685; net-worth ratio 19.99%; health rank #721 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#721 of 4,374 health · 2025Q4E L C O · health 92/100 · $5.1M · 2025Q4
Call Report peers
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E L C O vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); E L C O sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for E L C O
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +25.96 pp (89.56% vs 63.60%).
Where E L C O sits in Georgia
- Health composite ranks #19 of 74 among scored Georgia credit unions.
- Assets rank #62 of 74 inside Georgia ($5.1M reported).
- Membership ranks #64 of 74 among Georgia CUs with a reported count (685 members).
- One place up in Georgia, Credit Union of Georgia (#18) scores 93/100, 1 point higher; one place down, CORE (#20) ties at 92/100.
How E L C O's 5300 filing moved
E L C O: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $5.1M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (20.35% → 19.99%).
19.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
E L C O gives up 8 points in total. Delinquency Rate costs the most, 5 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.99% | +0.93 pp |
| Delinquency Rate | 1.00% | -0.81 pp |
| Return on Assets | 1.07% | +0.62 pp |
| Member Growth | 2.09% | - |
| Loan-to-Share Ratio | 89.56% | +25.96 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
E L C O quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.2M | - |
| 2025Q4 | $5.1M | 685 |
| 2024Q4 | $4.7M | 671 |
| 2023Q4 | $4.5M | 680 |
Credit Union Details
- Charter Number
- 22083
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Georgia
- City
- Elberton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for E L C O, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| ELCO FCU (Main Office) | Elberton, GA |
| Fed Comp | Fairfax, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
Other federally-insured credit unions in Georgia, closest first by peer group and asset size.
E L C O nationwide neighbourhoods
Similar health score
Using this data
- E L C O ranks #721 of 4,374 nationally on financial health and #19 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Omega Psi Phi Fraternity is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Omega Psi Phi Fraternity
Frequently Asked Questions
Is E L C O financially healthy?
On its 2025Q4 NCUA 5300 filing, E L C O scores 92/100 (Excellent), with a 19.99% net worth ratio and 1.00% of loans delinquent. It ranks #721 of 4,374 nationally on health and #19 of 74 in Georgia.
How does E L C O compare to other credit unions?
E L C O scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (89.56% vs 63.60%).
How can I join E L C O?
E L C O is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact E L C O directly to confirm eligibility.
Is my money safe at E L C O?
E L C O is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. E L C O's net worth ratio of 19.99% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.