BlastPoint's Credit Union Scorecard
ZELLCO
Charter #871 · LA
ZELLCO has 12 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 0.67% above tier average
- + Strong member growth: 7.0% YoY
- + Total Assets: Top 2.2% in tier
- + Total Members: Top 2.4% in tier
- + Total Loans: Top 2.5% in tier
- + Member Growth Rate: Top 4.3% in tier
- + Net Worth Ratio: Top 5.4% in tier
- + Deposit Growth Rate: Top 8.9% in tier
- + Efficiency Ratio: Top 9.1% in tier
- + Total Deposits: Top 9.2% in tier
- + Asset Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,906
+7.0% YoY+10.5% QoQ
|
+6.3K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
Top 2.5% in tier |
| Assets |
$94.0M
+9.7% YoY+1.3% QoQ
|
+$63.8M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Top 2.3% in tier |
| Loans |
$58.2M
+5.6% YoY+1.8% QoQ
|
+$42.4M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
Top 2.6% in tier |
| Deposits |
$65.5M
+10.5% YoY+1.2% QoQ
|
+$39.8M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
Top 9.2% in tier |
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| ROA |
2.2%
-4.6% YoY-4.4% QoQ
|
+1.5% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
Top 5.4% in tier |
| NIM |
4.6%
-4.0% YoY-0.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
57.7%
-1.4% YoY+2.2% QoQ
|
-24.9% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.9%
+83.3% YoY+3.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
88.8%
-4.4% YoY+0.6% QoQ
|
+28.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
Top 11.4% in tier |
| AMR |
$13,886
+1.1% YoY-8.2% QoQ
|
$-897 |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
21.7%
+30.4% YoY-0.6% QoQ
|
-2.7% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % |
8.4%
-10.5% YoY+4.6% QoQ
|
-5.4% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)