BELLCO

Charter #68437 | CO

7B-10B (30 CUs) Large (64 CUs)
2 7B-10B in CO

BELLCO has 5 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 22.2% in tier
  • + Wallet Share Momentum: Top 23.1% 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
 Bottom 16.7% in tier
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
 30th in tier
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
 73rd in tier
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
 Bottom 16.7% in tier
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
 33rd in tier
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
 27th in tier
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
 Bottom 23.3% in tier
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
 33rd in tier
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
 73rd in tier
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
 59th in tier
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
 42nd in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#27 of 46 • Top 22.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#28 of 46 • Top 23.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.57%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.85%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.05%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $37.2K
(Tier: $34.1K, National: $19.4K)
but better than tier avg
CD Concentration: 30.96%
(Tier: 28.87%, National: 19.60%)
worse 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 has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $8.51B
(Tier: $8.92B, National: $547.69M)
worse than tier avg
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)

Comparing against 30 peers in tier

Top Strengths (7 metrics)

1
Members Per Employee (MPE)
engagement
Value: 807.952
Peer Avg: 450.512
#1 of 30 Top 0.0% in 7B-10B tier
2
Loan-to-Share Ratio
balance_sheet
Value: 102.89%
Peer Avg: 85.44%
#2 of 30 Top 3.3% in 7B-10B tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 16.17%
Peer Avg: 38.48%
#3 of 30 Top 6.7% in 7B-10B tier
7
Loan-to-Member Ratio (LMR)
engagement
Value: $18,851
Peer Avg: $15,544
#7 of 30 Top 20.0% in 7B-10B tier
8
Efficiency Ratio
profitability
Value: 56.33%
Peer Avg: 63.73%
#8 of 30 Top 23.3% in 7B-10B tier
8
Average Member Relationship (AMR)
engagement
Value: $37,173
Peer Avg: $33,660
#8 of 30 Top 23.3% in 7B-10B tier
8
Total Loans
balance_sheet
Value: $7.01B
Peer Avg: $6.34B
#8 of 30 Top 23.3% in 7B-10B tier

Top Weaknesses (8 metrics)

29
Fee Income Per Member
profitability
Value: $129.69
Peer Avg: $199.46
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Net Worth Ratio
risk
Value: 9.77%
Peer Avg: 12.36%
#28 of 30 Bottom 10.0% in 7B-10B tier
27
Member Growth Rate
growth
Value: -3.05%
Peer Avg: 2.85%
#27 of 30 Bottom 13.3% in 7B-10B tier
27
Deposit Growth Rate
growth
Value: 0.41%
Peer Avg: 4.48%
#27 of 30 Bottom 13.3% in 7B-10B tier
25
Asset Growth Rate
growth
Value: -0.07%
Peer Avg: 2.91%
#25 of 30 Bottom 20.0% in 7B-10B tier
25
Loan Growth Rate
growth
Value: 0.41%
Peer Avg: 3.91%
#25 of 30 Bottom 20.0% in 7B-10B tier
25
Total Members
engagement
Value: 371,658
Peer Avg: 459,296
#25 of 30 Bottom 20.0% in 7B-10B tier
25
Total Deposits
balance_sheet
Value: $6.81B
Peer Avg: $7.45B
#25 of 30 Bottom 20.0% in 7B-10B tier