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E L C O
Elberton, GA · NCUA Charter #22083 · Federal charter · Chartered 1975
Total assets
$5.32M
Shares & deposits
$4.16M
Total loans
$3.76M
Members
691
Net worth
$1.07M
Branches
2
Rank: #3,816 of 4,299 U.S. credit unions by assets · #60 of 71 in Georgia. Assets changed 6.7% and membership 2.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 20.10% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.78% |
| Loans to shares & deposits | 90.2% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.07M | $3.22M | $0 | $825.01K |
| Jun 2023 | $4.45M | $3.55M | $0 | $870.72K |
| Jun 2024 | $4.68M | $3.69M | $0 | $926.37K |
| Jun 2025 | $4.98M | $3.93M | $0 | $976.16K |
| Jun 2026 | $5.32M | $4.16M | $0 | $1.07M |
Branch footprint
| State | Branches |
|---|---|
| Georgia | 1 |
| Virginia | 1 |
Similar-sized credit unions
Chemco ($5.33M) · Community Partners ($5.27M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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