BlastPoint's Credit Union Scorecard
R-S BELLCO
Charter #8540 · PA
R-S BELLCO has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Strong member growth: 5.2% YoY
- + Loan Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 3.3% in tier
- + Deposit Growth Rate: Top 3.9% in tier
- + AMR Growth Rate: Top 5.9% in tier
- + Member Growth Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,175
+5.2% YoY+0.8% QoQ
|
+498 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$44.3M
+13.5% YoY+7.6% QoQ
|
+$14.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
73% |
| Loans |
$28.0M
+26.9% YoY+5.1% QoQ
|
+$12.8M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$41.3M
+13.8% YoY+7.9% QoQ
|
+$15.5M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
76% |
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| ROA |
1.1%
+229.3% YoY+191.5% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
3.7%
+13.7% YoY+6.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
76.5%
-12.8% YoY-13.9% QoQ
|
-14.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.9%
-7.0% YoY-33.6% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
67.9%
+11.5% YoY-2.6% QoQ
|
+9.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
64% |
| AMR |
$21,842
+12.9% YoY+5.9% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
27.8%
+11.2% YoY-2.1% QoQ
|
+3.5% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)