BlastPoint's Credit Union Scorecard

UPPER DARBY BELLTELCO

Charter #3819 · PA

2556 CUs in <100M nationally 190 in PA

UPPER DARBY BELLTELCO demonstrates 3 strengths

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.47% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 3.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	3,555 -0.9% YoY-0.4% QoQ	+939	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	74%
Assets	$69.6M +3.3% YoY+0.3% QoQ	+$39.4M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Top 12.7% in tier
Loans	$22.0M +1.5% YoY-0.6% QoQ	+$6.2M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	73%
Deposits	$52.1M +1.4% YoY-0.3% QoQ	+$26.5M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.1% +3.6% YoY-0.8% QoQ	+1.5%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 5.9% in tier
NIM	3.6% +4.4% YoY-0.7% QoQ	-0.4%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	48.4% -0.8% YoY+0.7% QoQ	-34.2%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 3.8% in tier
Delinquency Rate	1.0% -30.1% YoY+103.5% QoQ	-0.5	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	61%
Loan To Share	42.1% +0.1% YoY-0.3% QoQ	-18.5%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	22%
AMR	$20,843 +2.4% YoY+0.1% QoQ	+$6K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	82%
CD Concentration	33.9% +8.3% YoY+2.0% QoQ	+9.5%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Efficiency Ratio

profitability

Value: 48.35%

Peer Median: -

#99 of 2556 Top 3.8% in <100M tier

150

Return on Assets (ROA)

profitability

Value: 2.09%

Peer Median: -

#150 of 2556 Top 5.8% in <100M tier

288

Net Worth Ratio

risk

Value: 25.01%

Peer Median: -

#288 of 2556 Top 11.2% in <100M tier

325

Total Assets

balance_sheet

Value: $69.58M

Peer Median: -

#325 of 2556 Top 12.7% in <100M tier

351

Members Per Employee (MPE)

engagement

Value: 507.857

Peer Median: -

#351 of 2556 Top 13.7% in <100M tier

433

Total Deposits

balance_sheet

Value: $52.15M

Peer Median: -

#433 of 2556 Top 16.9% in <100M tier

465

Average Member Relationship (AMR)

engagement

Value: $20,843

Peer Median: -

#465 of 2556 Top 18.2% in <100M tier

627

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#627 of 2556 Top 24.5% in <100M tier

Top Weaknesses (2 metrics)

2226

Share Certificate Concentration (%)

balance_sheet

Value: 33.88%

Peer Median: -

#2226 of 2556 Bottom 12.9% in <100M tier

1990

Loan-to-Share Ratio

balance_sheet

Value: 42.09%

Peer Median: -

#1990 of 2556 Bottom 22.2% in <100M tier