BlastPoint's Credit Union Scorecard
R-S BELLCO
Charter #8540 · PA
R-S BELLCO has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 19.6% YoY
- + Member Growth Rate: Top 1.8% in tier
- + Loan Growth Rate: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.25% below tier average
- - Efficiency ratio 6.30% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,151
+19.6% YoY+0.2% QoQ
|
+535 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$41.2M
+7.2% YoY+2.5% QoQ
|
+$11.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$26.7M
+23.0% YoY+3.9% QoQ
|
+$10.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$38.3M
+7.4% YoY+2.9% QoQ
|
+$12.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.4%
+138.2% YoY-44.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
3.5%
+19.5% YoY+1.6% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
88.9%
-5.5% YoY+7.4% QoQ
|
+6.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.4%
+74.3% YoY+48.7% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
69.7%
+14.5% YoY+1.0% QoQ
|
+9.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$20,625
-5.2% YoY+3.1% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
28.4%
+11.9% YoY+2.0% QoQ
|
+4.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)