BlastPoint's Credit Union Scorecard

BELLCO

Charter #68437 · CO

Large 7B-10B

29 CUs in 7B-10B nationally 1 in CO

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BELLCO has 3 strengths but faces 6 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 43.8% in tier
+ Members Per Employee (MPE): Top 0.1% in tier
+ First Mortgage Concentration (%): Top 6.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 12.1% in tier
- Institutional Decline: Bottom 27.3% in tier
- Stagnation Risk: Bottom 95.3% in tier
- Membership Headwinds: Bottom 95.3% in tier
- ROA 0.24% below tier average
- Member decline: -4.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	352,265 -4.4% YoY+1.6% QoQ	-84.6K	436,889 -2.3% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	21%
Assets	$8.6B +0.2% YoY+2.3% QoQ	$-283.8M	$8.9B -0.1% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	38%
Loans	$6.9B -3.6% YoY+0.0% QoQ	+$725.8M	$6.1B -1.1% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	69%
Deposits	$7.0B +0.8% YoY+2.7% QoQ	$-651.1M	$7.7B +1.8% YoY	$753.9M +36.7% YoY	$494.3M +9.1% 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	0.7% +5.3% YoY-11.7% QoQ	-0.2%	0.9% +16.3% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	28%
NIM	2.7% +5.6% YoY-2.1% QoQ	-0.3%	3.1% +6.3% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	59.5% +0.7% YoY+4.9% QoQ	-6.6%	66.1% -2.8% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.4% -27.6% YoY-10.6% QoQ	-0.2	0.6% +12.0% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	31%
Loan To Share	98.1% -4.3% YoY-2.6% QoQ	+17.7%	80.4% -3.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Top 13.8% in tier
AMR	$39,391 +3.2% YoY-0.2% QoQ	+$2K	$37,056 +6.8% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	72%
CD Concentration	30.5% -6.6% YoY-0.8% QoQ	+1.9%	28.6%	26.7%	19.8%	58%
Indirect Auto %	13.5% -8.0% YoY-0.1% QoQ	-2.8%	16.4%	12.4%	7.7%	46%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#12 of 16 • Top 43.8% 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): 3.16%

(Tier: 4.10%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $3.4K, National: $2.1K)

better than tier avg

16 of 66 Large CUs have this signature | 342 nationally

→ Stable (11→16 CUs) +5 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk

#3 of 10 • Bottom 95.3% 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): -4.44%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.58%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.67%, National: 1.19%)

but better than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Membership Headwinds

decline

#4 of 10 • Bottom 95.3% in tier

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

Why This Signature

Member Growth (YoY): -4.44%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

10 of 66 Large CUs have this signature | 676 nationally

→ No prior data (10 CUs now) | New qualifier

Liquidity Strain

risk

#13 of 26 • Bottom 12.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.12%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -3.58%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY | Rank worsening

Institutional Decline

decline

#3 of 5 • Bottom 27.3% in tier

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

Why This Signature

Total Assets: $8.63B

(Tier: $7.15B, National: $578.34M)

but better than tier avg

Member Growth (YoY): -4.44%

(Tier: 4.32%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.58%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

5 of 66 Large CUs have this signature | 289 nationally

→ No prior data (5 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)

Compare against:

Comparing against 29 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 677.433

Peer Median: 401.853

#1 of 29 Top 0.1% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 17.31%

Peer Median: 37.49%

#3 of 29 Top 6.9% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.12%

Peer Median: 82.39%

#4 of 29 Top 10.3% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,509

Peer Median: $13,058

#6 of 29 Top 17.2% in 7B-10B tier

Efficiency Ratio

profitability

Value: 59.46%

Peer Median: 65.65%

#8 of 29 Top 24.1% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $39,391

Peer Median: $30,591

#8 of 29 Top 24.1% in 7B-10B tier

Top Weaknesses (8 metrics)

Asset Growth Rate

growth

Value: 0.24%

Peer Median: 3.62%

#27 of 29 Bottom 10.3% in 7B-10B tier

Member Growth Rate

growth

Value: -4.44%

Peer Median: 2.73%

#26 of 29 Bottom 13.8% in 7B-10B tier

Net Worth Ratio

risk

Value: 9.98%

Peer Median: 11.34%

#26 of 29 Bottom 13.8% in 7B-10B tier

Fee Income Per Member

profitability

Value: $127.65

Peer Median: $199.06

#25 of 29 Bottom 17.2% in 7B-10B tier

Loan Growth Rate

growth

Value: -3.58%

Peer Median: 4.07%

#25 of 29 Bottom 17.2% in 7B-10B tier

Deposit Growth Rate

growth

Value: 0.78%

Peer Median: 4.66%

#25 of 29 Bottom 17.2% in 7B-10B tier

Total Deposits

balance_sheet

Value: $7.00B

Peer Median: $7.73B

#24 of 29 Bottom 20.7% in 7B-10B tier

Total Members

engagement

Value: 352,265

Peer Median: 421,142

#23 of 29 Bottom 24.1% in 7B-10B tier