E L C O is an NCUA insured institution located in Elberton, GA. It was founded in 1975 and has approximately $5.23 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 22083 |
| Date Established | 1975 |
| Assets | $5.23 million |
| Loans | $3.73 million |
| Deposits | $4.10 million |
| Capital | $1.04 million |
Your Current Location: Arizona, AZ
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Your Current Location: Arizona, AZ
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Below are E L C O branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Yuma,Arizona
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The following ratios and data are available to help you better understand the financial condition of E L C O. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| E L C O | U.S. Average |
|---|---|
| 3.13% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, E L C O had $28,528 in non-current loans and $5,996 in owned assets. To cover these potential losses it had $1,044,828 in net worth and $57,769 in loans loss reserves. That gives it a Texas Ratio of 3.13%.
| E L C O | U.S. Average |
|---|---|
| 19.99% | 14.48% |
E L C O FCU has a net worth of 19.99% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on October 3, 2026
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