BlastPoint's Credit Union Scorecard
UPPER DARBY BELLTELCO
Charter #3819 · PA
UPPER DARBY BELLTELCO demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 5.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,571
-0.6% YoY-0.4% QoQ
|
+945 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$69.4M
+3.2% YoY+0.1% QoQ
|
+$39.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 12.4% in tier |
| Loans |
$22.1M
+1.4% YoY+0.6% QoQ
|
+$6.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$52.3M
+1.4% YoY-0.6% QoQ
|
+$26.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
83% |
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| ROA |
2.1%
+1.7% YoY+4.4% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 7.4% in tier |
| NIM |
3.6%
+3.2% YoY+2.1% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
48.0%
+0.0% YoY-2.4% QoQ
|
-33.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
0.5%
-34.2% YoY-47.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
42.2%
+0.0% YoY+1.1% QoQ
|
-19.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$20,831
+2.0% YoY+0.1% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
33.2%
+7.6% YoY+3.7% QoQ
|
+8.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)