BlastPoint's Credit Union Scorecard

BELLCO

Charter #68437 · CO

Large 7B-10B

30 CUs in 7B-10B nationally 2 in CO

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BELLCO has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 76.9% in tier
+ Members Per Employee (MPE): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 3.3% in tier
+ First Mortgage Concentration (%): Top 6.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.9% in tier
- Membership Headwinds: Bottom 17.4% in tier
- Stagnation Risk: Bottom 17.4% in tier
- Flatlined Growth: Bottom 33.3% in tier
- ROA 0.19% below tier average
- Member decline: -3.1% YoY
- Fee Income Per Member: Bottom 6.7% in tier
- Net Worth Ratio: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	371,658 -3.1% YoY0% QoQ	-87.6K	459,296 +3.8% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	17%
Assets	$8.5B -0.1% YoY-0.3% QoQ	$-411.5M	$8.9B +1.2% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	30%
Loans	$7.0B +0.4% YoY-1.2% QoQ	+$665.0M	$6.3B +2.9% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	73%
Deposits	$6.8B +0.4% YoY-0.6% QoQ	$-644.4M	$7.5B +2.3% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	17%

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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	0.8% +22.4% YoY+10.2% QoQ	-0.2%	1.0% +22.1% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	33%
NIM	2.8% +19.4% YoY+2.1% QoQ	-0.2%	3.0% +11.5% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	27%
Efficiency Ratio	56.3% -3.2% YoY-1.3% QoQ	-7.4%	63.7% -2.2% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	0.6% -5.5% YoY+2.0% QoQ	-0.1	0.7% +10.8% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	33%
Loan To Share	102.9% +0.0% YoY-0.6% QoQ	+17.5%	85.4% +0.7% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	Top 6.7% in tier
AMR	$37,173 +3.6% YoY-0.9% QoQ	+$4K	$33,660 -2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	73%
CD Concentration	31.0% +0.3% YoY-2.3% QoQ	+2.1%	28.9% -1.3% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	59%
Indirect Auto %	13.4% -18.6% YoY-4.0% QoQ	-3.2%	16.6% -10.3% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	42%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#11 of 14 • Top 76.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.57%

(Tier: 2.82%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.2K, National: $2.0K)

but worse than tier avg

14 of 64 Large CUs have this signature | 341 nationally

↑ Growing +6 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#12 of 32 • Bottom 12.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 102.89%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.41%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Membership Headwinds

decline

#5 of 10 • Bottom 17.4% in tier

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

Why This Signature

Member Growth (YoY): -3.05%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY | New qualifier

Stagnation Risk

risk

#5 of 10 • Bottom 17.4% 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): -3.05%

(Tier: 3.07%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.41%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.58%

(Tier: 0.65%, National: 1.23%)

but better than tier avg

10 of 64 Large CUs have this signature | 648 nationally

↑ Growing +7 CUs YoY | New qualifier

Flatlined Growth

risk

#3 of 6 • Bottom 33.3% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -0.07%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Return on Assets: 0.85%

(Tier: 0.91%, National: 0.71%)

worse than tier avg

6 of 64 Large CUs have this signature | 82 nationally

→ Stable (3→6 CUs) +3 CUs YoY | 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)

Compare against:

Comparing against 30 peers in tier

Top Strengths (7 metrics)

Members Per Employee (MPE)

engagement

Value: 807.952

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 102.89%

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.17%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,851

Peer Avg: -

#7 of 30 Top 20.0% in 7B-10B tier

Efficiency Ratio

profitability

Value: 56.33%

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $37,173

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Total Loans

balance_sheet

Value: $7.01B

Peer Avg: -

#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (8 metrics)

Fee Income Per Member

profitability

Value: $129.69

Peer Avg: -

#29 of 30 Bottom 6.7% in 7B-10B tier

Net Worth Ratio

risk

Value: 9.77%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Member Growth Rate

growth

Value: -3.05%

Peer Avg: -

#27 of 30 Bottom 13.3% in 7B-10B tier

Deposit Growth Rate

growth

Value: 0.41%

Peer Avg: -

#27 of 30 Bottom 13.3% in 7B-10B tier

Asset Growth Rate

growth

Value: -0.07%

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Loan Growth Rate

growth

Value: 0.41%

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Total Members

engagement

Value: 371,658

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Total Deposits

balance_sheet

Value: $6.81B

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier