E L C O
Federal • Elberton, Georgia • Est. 1975
Quick Facts
- Charter Number
- #22083
- Type
- Federal
- Established
- 1975
- Headquarters
- Elberton, Georgia 30635
- Address
- 50 Laurel Dr Bldg B
- Branches
- 2
- Members
- 692
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
692 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | E L C O |
|---|---|
| Total Assets | $5.2M |
| Members | 692 |
| Loans Outstanding | $3.7M |
| Shares & Deposits | $4.1M |
| Net Worth | $1.0M |
| Net Worth Ratio | 19.99% |
| Loan-to-Share Ratio | 90.9% |
| Delinquency Rate | 0.82% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Georgia
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Georgia RankingsFrequently Asked Questions
E L C O is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, E L C O has 692 members and a potential membership field of 900 people.
E L C O's reported net worth ratio is 19.99% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). 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.