BlastPoint's Credit Union Scorecard
BELCO COMMUNITY CREDIT UNION
Charter #68256 · PA
BELCO COMMUNITY CREDIT UNION has 5 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.3% in tier
- + ROA 0.10% above tier average
- + Total Deposits: Top 1.8% in tier
- + Total Assets: Top 5.4% in tier
- + First Mortgage Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 95.3% in tier
- - Stagnation Risk: Bottom 95.3% in tier
- - Efficiency ratio 5.21% above tier (higher cost structure)
- - Member decline: -8.1% YoY
- - Deposit Growth Rate: Bottom 5.4% in tier
- - Member Growth Rate: Bottom 9.0% in tier
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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Pennsylvania.
- Shares and deposits -1.0% year over year ($879M in shares and deposits).
- Membership: 67,711 members, -8.1% vs a year ago.
- Delinquency rate 0.56%.
- Return on assets 0.94%.
- Efficiency ratio 79.75% vs a 74.54% peer average.
- Loan-to-share ratio 68.97% vs a 82.60% 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 |
67,711
-8.1% YoY-1.0% QoQ
|
+15.2K |
52,482
+1.3% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 13.5% in tier |
| Assets |
$974.4M
+2.4% YoY-0.9% QoQ
|
+$110.5M |
$863.9M
+0.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 6.3% in tier |
| Loans |
$606.5M
+2.1% YoY+1.4% QoQ
|
$-1.3M |
$607.8M
+2.1% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$879.4M
-1.0% YoY-2.5% QoQ
|
+$139.5M |
$739.9M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 2.7% in tier |
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| ROA |
0.9%
+62.3% YoY+6.6% QoQ
|
+0.1% |
0.8%
+30.4% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.3%
+6.6% YoY+6.5% QoQ
|
-0.3% |
3.5%
+6.2% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
79.7%
+0.4% YoY+0.8% QoQ
|
+5.2% |
74.5%
-1.4% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.6%
-34.0% YoY-29.8% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
69.0%
+3.1% YoY+3.9% QoQ
|
-13.6% |
82.6%
+1.9% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$21,945
+9.0% YoY+0.0% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
25.3%
+0.1% YoY-1.2% QoQ
|
+0.8% | 24.6% | 15.6% | 20.0% | 54% |
| Indirect Auto % |
11.7%
-26.0% YoY-10.9% QoQ
|
-1.9% | 13.6% | 8.4% | 7.7% | 57% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)