Federal credit union · BOGALUSA, Louisiana · NCUA charter #871
ZELLCO
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $94.0M
- Total assets
- 8,906
- Members
- 31.4%
- Net-worth ratio
ZELLCO scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $94.0M; members 8,906; net-worth ratio 31.43%; health rank #215 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#215 of 4,374 health · 2025Q4ZELLCO · health 96/100 · $94.0M · 2025Q4
Call Report peers
ZELLCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ZELLCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ZELLCO sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ZELLCO diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 88.80% here, 62.60% peer average (+26.20 pp).
ZELLCO in Louisiana
- In Louisiana, health place is #5 of 138 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 138 inside Louisiana ($94.0M reported).
- Membership ranks #29 of 138 among Louisiana CUs with a reported count (8,906 members).
- One place up in Louisiana, Department of Corrections (#4) scores 97/100, 1 point higher; one place down, Jefferson Parish Employees (#6) ties at 96/100.
ZELLCO: 2025Q4 → 2026Q1
ZELLCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $94.0M (2025Q4) to $94.2M (2026Q1).
- Net-worth ratio shifted +0.48 pp (30.95% → 31.43%).
At 31.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 96/100 score is built
ZELLCO gives up 4 points in total. Delinquency Rate costs the most, 4 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
ZELLCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.43% | +17.81 pp |
| Delinquency Rate | 0.90% | -0.06 pp |
| Return on Assets | 2.08% | +1.42 pp |
| Member Growth | 6.98% | - |
| Loan-to-Share Ratio | 88.80% | +26.20 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $94.2M | - |
| 2025Q4 | $94.0M | 8,906 |
| 2024Q4 | $85.7M | 8,325 |
| 2023Q4 | $81.7M | 8,997 |
Credit Union Details
- Charter Number
- 871
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Louisiana
- City
- BOGALUSA
- Data Quarter
- 2025Q4
Branch Locations (4)
ZELLCO operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Ave V (Main Office) | Bogalusa, LA |
| Richmond St | Bogalusa, LA |
| Columbia Office | Columbia, MS |
| Franklinton Office | Franklinton, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
ZELLCO nationwide neighbourhoods
Using this data
- ZELLCO ranks #215 of 4,374 nationally on financial health and #5 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WESLA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WESLA
Frequently Asked Questions
Is ZELLCO financially healthy?
ZELLCO has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #215 of 4,374 nationally on health and #5 of 138 in Louisiana. Its net worth ratio is 31.43% and its delinquency rate 0.90%.
How does ZELLCO compare to other credit unions?
ZELLCO scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (88.80% vs 62.60%).
How can I join ZELLCO?
ZELLCO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ZELLCO directly for the exact boundaries and application steps.
Is my money safe at ZELLCO?
ZELLCO 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. ZELLCO's net worth ratio of 31.43% 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.