ZELLCO
Charter #871 · BOGALUSA, LA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,884 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 31.43% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.21% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.22% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 74th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ZELLCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $94.20M | 92th pct | 85th pct |
| Members | 8,884 | 91th pct | 87th pct |
| Net worth ratio | 31.43% | 100th pct | 89th pct |
| Return on average assets | 2.21% | 97th pct | 93th pct |
| Net interest margin | 4.46% | 86th pct | 72th pct |
| Cost of funds | 1.19% | 66th pct | 66th pct |
| Loan-to-share | 89.92% | 95th pct | 74th pct |
| Delinquency 60+ days | 0.82% | 64th pct | 52th pct |
| Net charge-off ratio | 0.21% | 46th pct | 56th pct |
| Loan growth YoY | 2.57% | 83th pct | 84th pct |
| Share growth YoY | 0.70% | 24th pct | 23th pct |
| Efficiency ratio | 55.22% | 7th pct | 13th pct |
structural peer set hash: a347ede38c592639785eedc8ab093da4… (reproducible)
Closest structural peers
This is the free public view
Claim ZELLCO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.