Zellco
Bogalusa, LA · Charter 871 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$94.5MAssets
$59.3MLoans
$64.9MShares
$30.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 97% of credit unions under $1B in assets (rank 43 of 1683).
- Widest gap: nonperforming loans / loans trails 54% of credit unions under $1B in assets (rank 906 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.15%
Rank 59 of 1,683
Net Interest Margin
4.54%
Rank 307 of 1,683
Efficiency Ratio
57.34%
Rank 152 of 1,682
Equity / Assets
31.85%
Rank 43 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.15% | 0.35% | 0.74% | 1.18% | Beats 96% | 59 / 1,683 | |
| Return on Equity | 6.74% | 2.67% | 5.89% | 8.74% | Beats 58% | 704 / 1,681 | |
| Net Interest Margin | 4.54% | 3.31% | 3.82% | 4.32% | Beats 82% | 307 / 1,683 | |
| Efficiency Ratio | 57.34% | 68.91% | 78.20% | 86.93% | Beats 91% | 152 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.26% | 0.65% | 1.29% | Beats 46% | 906 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 31.85% | 10.44% | 12.89% | 16.53% | Beats 97% | 43 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 31.85% | 10.44% | 12.89% | 16.53% | Beats 97% | 43 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 91.39% | 52.61% | 69.38% | 83.50% | 89th pctl | 186 / 1,683 | |
| Loans / Assets | 62.76% | 44.71% | 59.18% | 70.72% | 58th pctl | 707 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |