E L C O
E L C O is a credit union based in Elberton, Georgia, established in 1975, with $5 million in total assets serving 692 members. By Trust Grade it ranks 10th of 72 credit unions we track in Georgia. Its net worth ratio of 20.0% is stronger than 78% of similarly sized credit unions, versus a Georgia median of 13.3%. It was profitable over the most recent period, with a 1.07% return on assets. No consumer complaints against E L C O appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How E L C O compares to Georgia peers
How we graded E L C O
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (20.0% capital ratio)
- Strongly profitable (ROA 1.07%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for E L C O over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at E L C O insured?
Yes. E L C O is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
E L C O: frequently asked questions
Is E L C O a good credit union?
E L C O earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (20.0% capital ratio); Strongly profitable (ROA 1.07%).
Is E L C O NCUA-insured?
Yes. E L C O is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is E L C O?
E L C O holds $5 million in total assets, ranking 10th of 72 credit unions we track in Georgia. It serves 692 members.
Does E L C O have CFPB complaints?
No CFPB complaints against E L C O appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
