BlastPoint's Credit Union Scorecard

BELCO COMMUNITY CREDIT UNION

Charter #68256 · PA

Community 750M-1B

112 CUs in 750M-1B nationally 7 in PA

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BELCO COMMUNITY CREDIT UNION has 3 strengths but faces 5 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

+ ROA 0.02% above tier average
+ Total Deposits: Top 5.4% in tier
+ Total Members: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 21.2% in tier
- Membership Headwinds: Bottom 24.3% in tier
- Stagnation Risk: Bottom 24.4% in tier
- Efficiency ratio 3.36% above tier (higher cost structure)
- Loan-to-Member Ratio (LMR): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	73,538 -1.4% YoY-0.1% QoQ	+21.4K	52,114 -2.1% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Top 9.8% in tier
Assets	$931.9M +1.2% YoY-2.1% QoQ	+$72.9M	$859.0M +0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	84%
Loans	$600.2M -1.8% YoY+1.0% QoQ	$-3.2M	$603.4M +1.0% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	45%
Deposits	$862.2M +6.3% YoY-2.9% QoQ	+$128.1M	$734.2M +0.9% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Top 6.2% 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	0.7% +157.2% YoY+25.1% QoQ	+0.0%	0.7% +27.6% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	53%
NIM	3.2% +5.3% YoY+5.1% QoQ	-0.2%	3.4% +9.6% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	77.9% -3.4% YoY-2.0% QoQ	+3.4%	74.5% -3.2% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	56%
Delinquency Rate	0.8% -29.7% YoY-10.7% QoQ	-0.1	0.8% +5.0% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	59%
Loan To Share	69.6% -7.6% YoY+4.0% QoQ	-13.1%	82.7% +0.1% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	20%
AMR	$19,886 +4.4% YoY-1.2% QoQ	$-9K	$28,651 +2.5% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Bottom 12.5% in tier
CD Concentration	23.6% -3.5% YoY-6.8% QoQ	-0.8%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	48%
Indirect Auto %	14.7% -26.1% YoY-7.4% QoQ	+0.7%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	61%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Institutional Decline

decline

#168 of 256 • Bottom 21.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $931.86M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 281 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Membership Headwinds

decline

#400 of 550 • Bottom 24.3% in tier

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

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#402 of 550 • Bottom 24.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.45%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.75%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $862.22M

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Total Members

engagement

Value: 73,538

Peer Avg: -

#11 of 112 Top 8.9% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.88%

Peer Avg: -

#13 of 112 Top 10.7% in 750M-1B tier

Fee Income Per Member

profitability

Value: $263.58

Peer Avg: -

#18 of 112 Top 15.2% in 750M-1B tier

Total Assets

balance_sheet

Value: $931.86M

Peer Avg: -

#18 of 112 Top 15.2% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.60%

Peer Avg: -

#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (5 metrics)

103

Loan-to-Member Ratio (LMR)

engagement

Value: $8,161

Peer Avg: -

#103 of 112 Bottom 8.9% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $19,886

Peer Avg: -

#98 of 112 Bottom 13.4% in 750M-1B tier

Loan Growth Rate

growth

Value: -1.75%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 69.61%

Peer Avg: -

#90 of 112 Bottom 20.5% in 750M-1B tier

Member Growth Rate

growth

Value: -1.45%

Peer Avg: -

#85 of 112 Bottom 25.0% in 750M-1B tier