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
Call Report peers
Belco Community Credit Union in the assets neighbourhood
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Belco Community Credit Union vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Belco Community Credit Union sits in 75-79 with 502 others.
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: 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%).
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).
- One place up in Pennsylvania, LATROBE (#179) ties at 78/100; one place down, WHEATLAND (#181) ties at 78/100.
Belco Community Credit Union: 2025Q4 → 2026Q1
Belco Community Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $971.5M (2025Q4) to $983.6M (2026Q1).
- Net-worth ratio shifted +0.09 pp (10.30% → 10.39%).
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
Belco Community Credit Union gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Belco Community Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Belco Community Credit Union scores 78/100 (Very Good), with a 10.39% net worth ratio and 0.86% of loans delinquent. It ranks #3,006 of 4,374 nationally on health and #180 of 275 in Pennsylvania.
How does Belco Community Credit Union compare to other credit unions?
Belco Community Credit Union scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.86% vs 0.87%). Its widest shortfall is loan-to-share ratio (68.08% vs 83.90%).
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?
Belco Community Credit Union is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.