Credit Union Safety Analysis
Is Elco Federal Credit Union Safe? Elberton, Georgia
Based on its Q2 2026 NCUA 5300 call report, Elco Federal Credit Union has a net worth ratio of 20.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.78%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Elco Federal Credit Union's net worth ratio is 20.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 20.10%
- Delinquency ratio (60+ days) (Q2 2026): 0.78%
- Return on assets (Q2 2026): 1.85%
- Loan-to-share ratio (Q2 2026): 90.23%
Elco Federal Credit Union (NCUA charter 22083, established 1975) reported $5.3M in assets and 691 members for Q2 2026 from Elberton, Georgia. It ranks 60 of 71 credit unions in Georgia by total assets. Total assets grew 6.7% from $5.0M on June 30, 2025. It has 19 more members than on June 30, 2025 (+2.8%). Its net worth ratio was up 0.52 percentage points from 19.58% on June 30, 2025. Used vehicle loans are its largest loan category, $1.8M of $3.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.78% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.99% for Q1 2026; 19.58% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.82% for Q1 2026; 1.52% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.07% for Q1 2026; 1.41% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.87% for Q1 2026; 82.60% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.8M
- New vehicle loans: $1.0M
- Other unsecured loans and lines of credit: $575K
- Other secured non-real estate loans and lines of credit: $375K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.3M | 20.10% | 0.78% | 1.85% | 90.23% |
| March 31, 2026 | $5.2M | 19.99% | 0.82% | 1.07% | 90.87% |
| December 31, 2025 | $5.1M | 20.35% | 1.00% | 1.95% | 89.56% |
| September 30, 2025 | $5.1M | 19.65% | 0.98% | 2.36% | 87.53% |
| June 30, 2025 | $5.0M | 19.58% | 1.52% | 1.41% | 82.60% |
| March 31, 2025 | $4.8M | 19.81% | 2.42% | 0.78% | 84.30% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Elco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 22083) · FFIEC NIC profile (RSSD 771980)
Frequently asked questions
Is Elco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Elco Federal Credit Union's net worth ratio is 20.10%, above the 7% NCUA threshold for well capitalized.
Is Elco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Elco Federal Credit Union is a federally insured credit union (NCUA charter 22083): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Elco Federal Credit Union's key safety ratios?
For Q2 2026, Elco Federal Credit Union reports net worth 20.10%, delinquency 0.78%, ROA 1.85%, loan-to-share 90.23%.
What happens to my money if Elco Federal Credit Union fails?
For Q2 2026, Elco Federal Credit Union held $4.2M in shares and deposits for 691 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.