BlastPoint's Credit Union Scorecard
BELLCO
Charter #68437 · CO
BELLCO has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 37.5% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
- + First Mortgage Concentration (%): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.7% in tier
- - Liquidity Strain: Bottom 13.6% in tier
- - Institutional Decline: Bottom 30.3% in tier
- - Stagnation Risk: Bottom 92.2% in tier
- - Membership Headwinds: Bottom 92.2% in tier
- - Flatlined Growth: Bottom 93.8% in tier
- - ROA 0.31% below tier average
- - Delinquency rate 0.68% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 1 that size in Colorado.
- Shares and deposits +3.7% year over year ($7.10B in shares and deposits).
- Membership: 360,569 members, -3.0% vs a year ago.
- Delinquency rate 1.47%.
- Return on assets 0.72%.
- Efficiency ratio 61.57% vs a 66.07% peer average.
- Loan-to-share ratio 98.29% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
360,569
-3.0% YoY+2.4% QoQ
|
-78.3K |
438,885
-1.1% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$8.5B
+0.2% YoY-0.9% QoQ
|
$-370.3M |
$8.9B
+0.0% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$7.0B
-1.6% YoY+1.6% QoQ
|
+$766.2M |
$6.2B
-0.6% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$7.1B
+3.7% YoY+1.4% QoQ
|
$-552.6M |
$7.7B
+2.7% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
0.7%
-6.8% YoY+1.4% QoQ
|
-0.3% |
1.0%
+4.7% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
2.7%
+0.3% YoY-1.0% QoQ
|
-0.4% |
3.1%
+6.6% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
61.6%
+7.9% YoY+3.6% QoQ
|
-4.5% |
66.1%
+1.6% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
1.5%
+160.2% YoY+255.9% QoQ
|
+0.7 |
0.8%
+23.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.1% in tier |
| Loan To Share |
98.3%
-5.1% YoY+0.2% QoQ
|
+17.0% |
81.3%
-3.8% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 14.3% in tier |
| AMR |
$39,066
+4.1% YoY-0.8% QoQ
|
+$2K |
$37,279
+8.1% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
31.2%
-1.4% YoY+2.3% QoQ
|
+2.9% | 28.3% | 27.0% | 20.0% | 61% |
| Indirect Auto % |
14.3%
+2.1% YoY+5.4% QoQ
|
-2.6% | 16.8% | 12.3% | 7.7% | 44% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)