Internal Revenue vs Zellco
Comparing a Credit Union in New Orleans, LA with a Credit Union in Bogalusa, LA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Internal Revenue ↗ Credit Union · New Orleans, LA · Est. 1937 | Zellco ↗ Credit Union · Bogalusa, LA · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | New Orleans, LA | Bogalusa, LA |
| Total assets | $21.6M | $94.2M |
| Net worth ratio | 14.3% | 31.4% |
| Return on assets | 1.4% | 2.2% |
| Shares & deposits | — | — |
| Members | 1,514 | 8,884 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 136 | #1 of 136 |
| Established | 1937 | 1935 |
Internal Revenue
- Assets: $21.6M
- Members: 1,514
- Capital ratio: 14.3%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #4 of 136
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. Internal Revenue 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, Internal Revenue or Zellco?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Internal Revenue 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 Internal Revenue safe?
Yes — Internal Revenue 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 Internal Revenue vs Zellco?
Internal Revenue has a net worth ratio of 14.3%, placing it in the top 49% 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 Internal Revenue have compared to Zellco?
The CFPB database shows 0 complaints against Internal Revenue, 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 Internal Revenue with other Credit Unions in Louisiana
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.
