BlastPoint's Credit Union Scorecard
ZELLCO
Charter #871 · LA
ZELLCO has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.58% above tier average
- + Net Interest Margin 0.72% above tier average
- + Total Assets: Top 2.6% in tier
- + Total Loans: Top 2.8% in tier
- + Total Members: Top 3.6% in tier
- + Net Worth Ratio: Top 5.5% in tier
- + Total Deposits: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,058
-2.6% YoY-0.3% QoQ
|
+5.4K |
2,625
-2.2% YoY
|
9,352
+2.6% YoY
|
33,089
+6.1% YoY
|
Top 3.7% in tier |
| Assets |
$92.8M
+8.0% YoY+0.7% QoQ
|
+$62.9M |
$29.9M
+1.1% YoY
|
$121.4M
+4.9% YoY
|
$547.7M
+7.8% YoY
|
Top 2.7% in tier |
| Loans |
$57.1M
+3.7% YoY+2.2% QoQ
|
+$41.4M |
$15.8M
-2.4% YoY
|
$86.9M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 2.9% in tier |
| Deposits |
$64.7M
+8.0% YoY+0.2% QoQ
|
+$39.3M |
$25.5M
+0.4% YoY
|
$103.9M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 9.4% in tier |
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| ROA |
2.3%
-5.1% YoY+5.5% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.5%
+1.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.6% in tier |
| NIM |
4.7%
-2.8% YoY+0.4% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
4.3%
+3.2% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
56.4%
+0.5% YoY-3.5% QoQ
|
-24.9% |
81.4%
-2.4% YoY
|
82.9%
-3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate |
0.9%
+128.0% YoY+47.4% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.8%
-12.2% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
88.3%
-4.0% YoY+2.0% QoQ
|
+27.0% |
61.2%
-3.0% YoY
|
70.9%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 12.9% in tier |
| AMR |
$15,120
+8.8% YoY+1.4% QoQ
|
+$493 |
$14,627
-2.7% YoY
|
$13,297
+2.9% YoY
|
$19,418
+1.3% YoY
|
58% |
| CD Concentration |
21.8%
+44.1% YoY+6.0% QoQ
|
-2.6% |
24.4%
+4.2% YoY
|
15.0%
+9.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.1%
-15.9% YoY-5.6% QoQ
|
-5.9% |
14.0%
-5.7% YoY
|
5.3%
+10.6% YoY
|
7.9%
-2.9% YoY
|
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)