BlastPoint's Credit Union Scorecard
ZELLCO
Charter #871 · LA
ZELLCO has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.07% above tier average
- + Net Interest Margin 0.44% above tier average
- + Strong member growth: 9.9% YoY
- + Total Loans: Top 1.9% in tier
- + Total Assets: Top 1.9% in tier
- + Total Members: Top 2.2% in tier
- + Member Growth Rate: Top 3.4% in tier
- + Net Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,884
+9.9% YoY-0.2% QoQ
|
+6.2K |
2,676
+1.6% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Top 2.2% in tier |
| Assets |
$94.2M
+4.2% YoY+0.2% QoQ
|
+$64.0M |
$30.2M
+1.3% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
Top 2.0% in tier |
| Loans |
$58.6M
+5.9% YoY+0.7% QoQ
|
+$43.3M |
$15.3M
-2.0% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
Top 1.9% in tier |
| Deposits |
$65.2M
+2.6% YoY-0.5% QoQ
|
+$39.4M |
$25.8M
+0.7% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
Top 9.4% in tier |
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| ROA |
2.2%
-4.8% YoY+2.0% QoQ
|
+2.1% |
0.1%
-77.6% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
Top 4.6% in tier |
| NIM |
4.5%
-4.8% YoY-3.7% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
75% |
| Efficiency Ratio |
55.2%
-1.3% YoY-4.3% QoQ
|
-35.4% |
90.6%
+6.5% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.8%
+42.7% YoY-8.7% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
89.9%
+3.1% YoY+1.3% QoQ
|
+31.4% |
58.5%
-3.0% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
Top 8.3% in tier |
| AMR |
$13,930
-5.2% YoY+0.3% QoQ
|
$-954 |
$14,884
-1.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
22.6%
+18.9% YoY+3.9% QoQ
|
-1.7% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % |
8.2%
-11.0% YoY-2.8% QoQ
|
-5.6% | 13.8% | 5.1% | 7.7% | 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)