Firstenergy Choice vs Zellco
Comparing a Credit Union in Greensburg, PA with a Credit Union in Bogalusa, LA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Firstenergy Choice ↗ Credit Union · Greensburg, PA · Est. 1935 | Zellco ↗ Credit Union · Bogalusa, LA · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Greensburg, PA | Bogalusa, LA |
| Total assets | $52.2M | $94.2M |
| Net worth ratio | 20.8% | 31.4% |
| Return on assets | 1.3% | 2.2% |
| Shares & deposits | — | — |
| Members | 3,558 | 8,884 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 271 | #1 of 136 |
| Established | 1935 | 1935 |
Firstenergy Choice
- Assets: $52.2M
- Members: 3,558
- Capital ratio: 20.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 271
Zellco
- Assets: $94.2M
- Members: 8,884
- Capital ratio: 31.4%
- Return on assets: 2.2%
- CFPB complaints: 0
- State rank: #1 of 136
Are both institutions federally insured?
Yes. Firstenergy Choice is NCUA-insured and Zellco is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Firstenergy Choice or Zellco?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Firstenergy Choice scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Firstenergy Choice safe?
Yes — Firstenergy Choice is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Zellco safe?
Yes — Zellco is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Firstenergy Choice vs Zellco?
Firstenergy Choice has a net worth ratio of 20.8%, placing it in the top 20% of <$100M peers. Zellco's ratio is 31.4%, placing it in the top 5% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Firstenergy Choice have compared to Zellco?
The CFPB database shows 0 complaints against Firstenergy Choice, and 0 complaints against Zellco. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Firstenergy Choice with other Credit Unions in Pennsylvania
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
