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
- BOOK 92/100
- CHARTER 20.0%
- NCUSIF 1.00%
- CAMELS 1.07%
- HEALTH $5.1M
- NW 685
- DELQ #721/4,374
- ROA n/a
- ASSETS 22083
Call Report peers
E L C O carries $5.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
E L C O vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
E L C O - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22083 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How E L C O's 5300 filing moved
E L C O: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $5.1M (2025Q4) to $5.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (20.35% → 19.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Cross-state asset and health neighbours for E L C O - kept outside Georgia; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is E L C O financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, E L C O carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #721 of 4,374; by total assets it ranks #3,882 of 4,374 nationally (same basis as /rankings/largest); and #62 of 74 within Georgia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.99% net worth ratio and a 1.00% delinquency rate.
How does E L C O compare to other credit unions?
E L C O scores 92/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like E L C O are 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."
What rates does E L C O offer compared to banks?
Credit unions like E L C O are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact E L C O directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.