E L C O
Federal • Elberton, Georgia • Est. 1975
Quick Facts
- Charter Number
- #22083
- Type
- Federal
- Established
- 1975
- Headquarters
- Elberton, Georgia 30635
- Address
- PO Box 6129
- Branches
- 2
- Members
- 685
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
685 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | E L C O |
|---|---|
| Total Assets | $5.1M |
| Members | 685 |
| Loans Outstanding | $3.5M |
| Shares & Deposits | $3.9M |
| Net Worth | $1.0M |
| Net Worth Ratio | 20.35% |
| Loan-to-Share Ratio | 89.6% |
| Delinquency Rate | 1.00% |
| Net Income | +$81,886 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations
ELCO FCU
Main Office50 Laurel Dr Bldg B
Elberton, GA 30635
Fed Comp
3900 Jermantown Rd
Fairfax, VA 22030
Who Can Join E L C O?
Membership Type: Community
Membership eligibility for E L C O may vary. Contact the credit union directly to confirm qualification requirements.
Contact E L C O directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Georgia RankingsFrequently Asked Questions
Yes. E L C O is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, E L C O has 685 members and a potential membership field of 900 people.
E L C O's net worth ratio is 20.35% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 20.4%, E L C O meets this threshold.
E L C O operates 2 branch locations. The main office is located at 50 Laurel Dr Bldg B, Elberton, GA 30635.
E L C O was established in 1975. It is a federal credit union chartered under charter number 22083. The institution has been serving members for 51 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or E L C O. All financial data is for informational purposes only.