BlastPoint's Credit Union Scorecard
UPPER DARBY BELLTELCO
Charter #3819 · PA
UPPER DARBY BELLTELCO demonstrates 2 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.52% above tier average
- + Efficiency Ratio: Top 3.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.6% year over year ($53.5M in shares and deposits).
- Membership: 3,547 members, -1.0% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 2.01%.
- Efficiency ratio 48.67% vs a 88.77% peer average.
- Loan-to-share ratio 41.91% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,547
-1.0% YoY+0.1% QoQ
|
+961 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$71.6M
+3.3% YoY+0.5% QoQ
|
+$41.3M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 11.8% in tier |
| Loans |
$22.4M
+2.0% YoY+0.8% QoQ
|
+$6.9M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$53.5M
+1.6% YoY-0.0% QoQ
|
+$27.6M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
2.0%
-0.6% YoY+3.8% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 9.4% in tier |
| NIM |
3.5%
-2.7% YoY+2.3% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
48.7%
-1.1% YoY-2.4% QoQ
|
-40.1% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.7%
-28.6% YoY-30.6% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
41.9%
+0.4% YoY+0.8% QoQ
|
-17.0% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$21,385
+2.8% YoY+0.2% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
31.2%
-2.5% YoY-6.4% QoQ
|
+6.7% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)