State credit union · HARRISBURG, Pennsylvania · NCUA charter #68256
Belco Community Credit Union
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $971.5M
- Total assets
- 68,811
- Members
- 10.4%
- Net-worth ratio
Belco Community Credit Union scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $971.5M; members 68,811; net-worth ratio 10.39%; health rank #3,006 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,006 of 4,374 health · 2025Q4Belco Community Credit Union · health 78/100 · $971.5M · 2025Q4
- CHARTER 78/100
- NCUSIF 10.4%
- CAMELS 0.86%
- HEALTH 0.33%
- NW $971.5M
- DELQ 68,811
- ROA #3,006/4,374
- ASSETS Water and Power Community
- MEM 68256
Call Report peers
Belco Community Credit Union in the assets neighbourhood
Belco Community Credit Union's $971.5M assets sit next to Water and Power Community ($971.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Belco Community Credit Union vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Belco Community Credit Union - Share Insurance Coverage
Charter #68256's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Belco Community Credit Union: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.86% vs peer 0.87% (-0.01 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.82 pp (68.08% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Belco Community Credit Union: in-state Call Report ranks
- In Pennsylvania, health place is #180 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Belco Community Credit Union is #16 of 275 in Pennsylvania.
- Membership ranks #15 of 275 among Pennsylvania CUs with a reported count (68,811 members).
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Belco Community Credit Union: 2025Q4 → 2026Q1
Belco Community Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $971.5M (2025Q4) to $983.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.30% → 10.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 12.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.39% | -0.79 pp |
| Delinquency Rate | 0.86% | -0.01 pp |
| Return on Assets | 0.33% | -0.18 pp |
| Member Growth | -7.27% | - |
| Loan-to-Share Ratio | 68.08% | -15.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Belco Community Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $983.6M | - |
| 2025Q4 | $971.5M | 68,811 |
| 2024Q4 | $935.9M | 74,202 |
| 2023Q4 | $918.0M | 75,166 |
Credit Union Details
- Charter Number
- 68256
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- HARRISBURG
- Data Quarter
- 2025Q4
Branch Locations (14)
The NCUA branch filing lists 14 physical offices for Belco Community Credit Union, spread across 9 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Harrisburg, PA |
| Eastgate | Carlisle, PA |
| North Hanover St | Carlisle, PA |
| Enola | Enola, PA |
| Gettysburg | Gettysburg, PA |
| Hanover | Hanover, PA |
| Paxton Street | Harrisburg, PA |
| Allentown Boulevard | Harrisburg, PA |
| South Duke Street | Lancaster, PA |
| Regency Square | Lancaster, PA |
| Oregon Pike | Lancaster, PA |
| Lebanon | Lebanon, PA |
| Carlisle Pike - Mechanicsburg | Mechanicsburg, PA |
| Big Spring | Newville, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Belco Community Credit Union
Cross-state asset and health neighbours for Belco Community Credit Union - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($971.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Belco Community Credit Union ranks #3,006 of 4,374 nationally on financial health and #180 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Merck Sharp & Dohme is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Merck Sharp & Dohme
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Belco Community Credit Union financially healthy?
Belco Community Credit Union has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,006 of 4,374; by total assets it ranks #476 of 4,374 nationally (same basis as /rankings/largest); and #16 of 275 within Pennsylvania. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.39% and delinquency rate of 0.86%.
How does Belco Community Credit Union compare to other credit unions?
Belco Community Credit Union scores 78/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Belco Community Credit Union?
Membership eligibility for Belco Community Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Belco Community Credit Union directly for current membership requirements and application steps.
Is my money safe at Belco Community Credit Union?
Federal credit unions like Belco Community Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Belco Community Credit Union's net worth ratio of 10.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Belco Community Credit Union offer compared to banks?
Credit unions like Belco Community Credit Union are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Belco Community Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.