BlastPoint's Credit Union Scorecard
BELLCO
Charter #68437 · CO
BELLCO has 6 strengths but faces 10 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 21.4% in tier
- + Wallet Share Momentum: Top 36.8% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.0% in tier
- + First Mortgage Concentration (%): Top 6.1% in tier
- + AMR Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 12.5% in tier
- - Stagnation Risk: Bottom 25.0% in tier
- - Institutional Decline: Bottom 40.0% in tier
- - Liquidity Strain: Bottom 43.8% in tier
- - Flatlined Growth: Bottom 100.0% in tier
- - ROA 0.17% below tier average
- - Member decline: -9.9% YoY
- - Asset Growth Rate: Bottom 3.0% in tier
- - Member Growth Rate: Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
346,854
-9.9% YoY-6.7% QoQ
|
-99.1K |
445,922
+0.4% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$8.4B
-1.9% YoY-0.9% QoQ
|
$-498.7M |
$8.9B
+0.9% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$6.9B
-1.9% YoY-1.9% QoQ
|
+$613.7M |
$6.3B
+0.8% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$6.8B
-2.0% YoY+0.2% QoQ
|
$-698.0M |
$7.5B
+1.2% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
15% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
+30.4% YoY-5.6% QoQ
|
-0.2% |
1.0%
+27.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.8%
+20.2% YoY+1.3% QoQ
|
-0.2% |
3.0%
+12.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
56.7%
-4.1% YoY+0.6% QoQ
|
-8.1% |
64.8%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
0.5%
-26.6% YoY-19.8% QoQ
|
-0.3 |
0.7%
+5.5% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
100.7%
+0.0% YoY-2.1% QoQ
|
+17.3% |
83.4%
-0.6% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 6.1% in tier |
| AMR |
$39,476
+8.8% YoY+6.2% QoQ
|
+$5K |
$34,266
-1.7% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
30.8%
-3.4% YoY-0.6% QoQ
|
+1.6% | 29.1% | 26.2% | 19.8% | 58% |
| Indirect Auto % |
13.5%
-14.1% YoY+1.0% QoQ
|
-3.6% | 17.1% | 12.2% | 7.8% | 42% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)