CU Explorer
Credit unions · Georgia · Q2 2026

ELCO FCU

Credit union in Elberton, GA · NCUA charter #22083 · Federal charter

Legal name: ELCO

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$5.3M
Total loans & leases$3.8M
Total shares & deposits$4.2M
Members691
Net worth$1.1M
Net worth / assets20.10%
Loans / assets70.63%
Return on assets (annualized)1.45%
Loan growth (YoY)15.64%
Member growth (YoY)2.83%
Delinquency, all loans (60+ days)0.78%
CharterFederal charter
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeEducational

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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