BlastPoint's Credit Union Scorecard
BELCO COMMUNITY CREDIT UNION
Charter #68256 · PA
BELCO COMMUNITY CREDIT UNION has 3 strengths but faces 7 concerns
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 31.8% in tier
- + Total Deposits: Top 1.7% in tier
- + Total Assets: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 13.9% in tier
- - Stagnation Risk: Bottom 19.3% in tier
- - Efficiency Drag: Bottom 97.6% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 5.88% above tier (higher cost structure)
- - Member decline: -7.3% YoY
- - Member Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,811
-7.3% YoY-6.4% QoQ
|
+16.7K |
52,084
-1.6% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 12.8% in tier |
| Assets |
$971.5M
+3.8% YoY+4.2% QoQ
|
+$107.6M |
$863.9M
+0.5% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 7.7% in tier |
| Loans |
$599.6M
-0.0% YoY-0.1% QoQ
|
$-6.2M |
$605.8M
+1.4% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$880.8M
+2.6% YoY+2.2% QoQ
|
+$143.5M |
$737.3M
+0.1% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 2.6% in tier |
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| ROA |
0.6%
+63.0% YoY-22.1% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
3.3%
+5.6% YoY+1.9% QoQ
|
-0.1% |
3.4%
+8.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
80.2%
-0.4% YoY+3.0% QoQ
|
+5.9% |
74.3%
-3.6% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.9%
-28.0% YoY+14.8% QoQ
|
-0.0 |
0.9%
+3.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
68.1%
-2.6% YoY-2.2% QoQ
|
-14.5% |
82.6%
+1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$21,515
+9.5% YoY+8.2% QoQ
|
$-7K |
$28,873
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
26.3%
+4.6% YoY+11.5% QoQ
|
+1.9% | 24.4% | 15.5% | 19.8% | 57% |
| Indirect Auto % |
14.1%
-23.3% YoY-4.2% QoQ
|
+0.3% | 13.8% | 8.1% | 7.8% | 60% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)