State credit union · GREENWOOD VILLA, Colorado · NCUA charter #68437
BELLCO
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $8.43B
- Total assets
- 346,854
- Members
- 10.0%
- Net-worth ratio
BELLCO scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.43B; members 346,854; net-worth ratio 9.98%; health rank #2,768 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,768 of 4,374 health · 2025Q4BELLCO · health 80/100 · $8.43B · 2025Q4
Call Report peers
BELLCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
BELLCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BELLCO sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
BELLCO: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 100.74% vs peer 83.90% (+16.84 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.20 pp (9.98% vs 11.18%).
BELLCO: in-state Call Report ranks
- Colorado health ordinal: #45 of 66.
- By total assets, BELLCO is #2 of 66 in Colorado.
- Membership ranks #2 of 66 among Colorado CUs with a reported count (346,854 members).
- One place up in Colorado, AURORA (#44) ties at 80/100; one place down, Delta County (#46) scores 79/100, 1 point lower.
BELLCO: 2025Q4 → 2026Q1
BELLCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $8.43B (2025Q4) to $8.63B (2026Q1).
- Net-worth ratio shifted -0.05 pp (10.03% → 9.98%).
This credit union's 9.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
BELLCO gives up 20 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
BELLCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.98% | -1.20 pp |
| Delinquency Rate | 0.46% | -0.41 pp |
| Return on Assets | 0.62% | +0.11 pp |
| Member Growth | -9.86% | - |
| Loan-to-Share Ratio | 100.74% | +16.84 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.63B | - |
| 2025Q4 | $8.43B | 346,854 |
| 2024Q4 | $8.59B | 384,776 |
| 2023Q4 | $8.26B | 368,503 |
Credit Union Details
- Charter Number
- 68437
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Colorado
- City
- GREENWOOD VILLA
- Data Quarter
- 2025Q4
Branch Locations (30)
Per its most recent NCUA branch filing, BELLCO runs 30 offices in 23 different cities.
| Office | City |
|---|---|
| Bellco Credit Union (Main Office) | Greenwood Village, CO |
| Buckley Branch | Aurora, CO |
| Smoky Hill | Aurora, CO |
| Aurora South | Aurora, CO |
| Brighton East | Brighton, CO |
| Castle Rock | Castle Rock, CO |
| Clifton | Clifton, CO |
| Colorado Springs East | Colorado Springs, CO |
| Havana & Mississippi | Denver, CO |
| Stapleton | Denver, CO |
| Green Valley | Denver, CO |
| Sloan's Lake | Edgewater, CO |
| Erie | Erie, CO |
| Fort Collins | Fort Collins, CO |
| Grand Junction | Grand Junction, CO |
| Greeley | Greeley, CO |
| Highlands Ranch | Highlands Ranch, CO |
| Lakewood | Lakewood, CO |
| Southwest | Littleton, CO |
| Lone Tree | Lone Tree, CO |
| Longmont | Longmont, CO |
| Parker South | Parker, CO |
| Parker | Parker, CO |
| Pueblo North | Pueblo, CO |
| Englewood | Sheridan, CO |
| 98th & Washington | Thornton, CO |
| Thornton | Thornton, CO |
| Huron | Westminster, CO |
| Westminster | Westminster, CO |
| Arvada Ridge | Wheat Ridge, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Cross-state Call Report peers for BELLCO
Similar total assets
Using this data
- BELLCO ranks #2,768 of 4,374 nationally on financial health and #45 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ENT
Frequently Asked Questions
Is BELLCO financially healthy?
On its 2025Q4 NCUA 5300 filing, BELLCO scores 80/100 (Excellent), with a 9.98% net worth ratio and 0.46% of loans delinquent. It ranks #2,768 of 4,374 nationally on health and #45 of 66 in Colorado.
How does BELLCO compare to other credit unions?
BELLCO scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.74% vs 83.90%). Its widest shortfall is net worth ratio (9.98% vs 11.18%).
How can I join BELLCO?
Membership eligibility for BELLCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BELLCO directly for current membership requirements and application steps.
Is my money safe at BELLCO?
BELLCO 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. BELLCO's net worth ratio of 9.98% 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.