BlastPoint's Credit Union Scorecard

BELCO COMMUNITY CREDIT UNION

Charter #68256 · PA

Community 750M-1B
117 CUs in 750M-1B nationally 5 in PA
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BELCO COMMUNITY CREDIT UNION has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 10.7% in tier
  • + ROA 0.12% above tier average
  • + Total Deposits: Top 0.9% in tier
  • + Total Assets: Top 6.0% in tier
  • + First Mortgage Concentration (%): Top 8.5% in tier
  • + Total Members: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 95.2% in tier
  • - Stagnation Risk: Bottom 95.2% in tier
  • - Efficiency ratio 3.61% above tier (higher cost structure)
  • - Delinquency rate 0.11% above tier average
  • - Member decline: -7.6% YoY
  • - Member Growth Rate: Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 68,378
-7.6% YoY-0.6% QoQ
 +16.9K 51,500
+0.7% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Top 10.3% in tier
Assets $983.6M
+2.2% YoY+1.2% QoQ
 +$118.0M $865.6M
+0.9% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 Top 6.8% in tier
Loans $598.3M
+1.2% YoY-0.2% QoQ
 +$3.1M $595.3M
+1.6% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 45%
Deposits $901.6M
+1.2% YoY+2.4% QoQ
 +$159.4M $742.2M
+0.6% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 Top 1.7% in tier

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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 0.9%
+45.3% YoY+56.3% QoQ
 +0.1% 0.8%
+45.0% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 64%
NIM 3.1%
+6.5% YoY-6.6% QoQ
 -0.4% 3.5%
+6.1% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 26%
Efficiency Ratio 79.1%
+1.3% YoY-1.3% QoQ
 +3.6% 75.5%
-3.4% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 61%
Delinquency Rate 0.8%
-19.7% YoY-8.4% QoQ
 +0.1 0.7%
-0.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 69%
Loan To Share 66.4%
-0.0% YoY-2.5% QoQ
 -14.2% 80.6%
+0.7% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 17%
AMR $21,937
+9.5% YoY+2.0% QoQ
 $-7K $28,908
+0.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 20%
CD Concentration 25.7%
+3.2% YoY-2.5% QoQ
 +1.4% 24.3% 15.4% 19.8% 56%
Indirect Auto % 13.2%
-22.4% YoY-6.5% QoQ
 -0.6% 13.8% 8.3% 7.7% 59%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#143 of 491 • Top 10.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.50%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline
#65 of 570 • Bottom 95.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -7.56%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
676 nationally
→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk
#123 of 570 • Bottom 95.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -7.56%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): 1.22%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.79%
(Tier: 0.76%, National: 1.19%)
worse than tier avg
676 nationally
→ No prior data (570 CUs now) | New qualifier

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)

Comparing against 117 peers in tier

Top Strengths (6 metrics)

2
Total Deposits
balance_sheet
Value: $901.63M
Peer Median: $735.65M
#2 of 117 Top 0.9% in 750M-1B tier
8
Total Assets
balance_sheet
Value: $983.60M
Peer Median: $858.87M
#8 of 117 Top 6.0% in 750M-1B tier
11
First Mortgage Concentration (%)
balance_sheet
Value: 15.66%
Peer Median: 32.60%
#11 of 117 Top 8.5% in 750M-1B tier
12
Total Members
engagement
Value: 68,378
Peer Median: 51,712
#12 of 117 Top 9.4% in 750M-1B tier
14
AMR Growth Rate
growth
Value: 9.50%
Peer Median: 3.70%
#14 of 117 Top 11.1% in 750M-1B tier
25
Fee Income Per Member
profitability
Value: $263.05
Peer Median: $187.56
#25 of 117 Top 20.5% in 750M-1B tier

Top Weaknesses (5 metrics)

109
Member Growth Rate
growth
Value: -7.56%
Peer Median: 0.97%
#109 of 117 Bottom 7.7% in 750M-1B tier
100
Loan-to-Member Ratio (LMR)
engagement
Value: $8,751
Peer Median: $11,598
#100 of 117 Bottom 15.4% in 750M-1B tier
97
Loan-to-Share Ratio
balance_sheet
Value: 66.36%
Peer Median: 84.41%
#97 of 117 Bottom 17.9% in 750M-1B tier
93
Average Member Relationship (AMR)
engagement
Value: $21,937
Peer Median: $26,209
#93 of 117 Bottom 21.4% in 750M-1B tier
89
Deposit Growth Rate
growth
Value: 1.23%
Peer Median: 4.60%
#89 of 117 Bottom 24.8% in 750M-1B tier
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