Federal credit union · New Brighton, Pennsylvania · NCUA charter #8540
R-S Bellco
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $41.2M
- Total assets
- 3,151
- Members
- 7.0%
- Net-worth ratio
R-S Bellco scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $41.2M; members 3,151; net-worth ratio 7.02%; health rank #2,911 of 4,374; healthier than 33rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,911 of 4,374 health · 2025Q4R-S Bellco · health 79/100 · $41.2M · 2025Q4
- RANK 79/100
- PHOTO 7.0%
- BOOK 1.36%
- CHARTER 0.15%
- NCUSIF $41.2M
- CAMELS 3,151
- HEALTH #2,911/4,374
- NW Sioux Valley Coop
- DELQ 8540
Call Report peers
R-S Bellco in the assets neighbourhood
R-S Bellco's $41.2M assets sit next to Sioux Valley Coop ($41.2M) 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.
R-S Bellco 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
79 33rd percentile higher than 33% 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
R-S Bellco - Share Insurance Coverage
Charter #8540'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.
R-S Bellco: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +9.86 pp (69.66% vs 59.80%).
- Net Worth Ratio trails the peer set - 7.02% here, 14.86% peer average (-7.84 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
R-S Bellco in Pennsylvania
- In Pennsylvania, health place is #171 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, R-S Bellco is #133 of 275 in Pennsylvania.
- Membership ranks #134 of 275 among Pennsylvania CUs with a reported count (3,151 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.
How R-S Bellco's 5300 filing moved
R-S Bellco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.6% from $41.2M (2025Q4) to $44.3M (2026Q1).
- Net-worth ratio shifted -0.22 pp (7.24% → 7.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 22.5 pts
- Delinquency Rate 17.3 pts
- Return on Assets 9.7 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.02% | -7.84 pp |
| Delinquency Rate | 1.36% | +0.22 pp |
| Return on Assets | 0.15% | -0.56 pp |
| Member Growth | 19.58% | - |
| Loan-to-Share Ratio | 69.66% | +9.86 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.3M | - |
| 2025Q4 | $41.2M | 3,151 |
| 2024Q4 | $38.4M | 2,635 |
| 2023Q4 | $37.5M | 2,562 |
Credit Union Details
- Charter Number
- 8540
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- New Brighton
- Data Quarter
- 2025Q4
Branch Location
R-S Bellco operates a single office in New Brighton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | New Brighton, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Other-state peers near R-S Bellco
Two NCUA Call Report peer sets for R-S Bellco, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($41.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- R-S Bellco ranks #2,911 of 4,374 nationally on financial health and #171 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wyrope Williamsport is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wyrope Williamsport
- 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 R-S Bellco financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, R-S Bellco carries a financial health score of 79/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,911 of 4,374; by total assets it ranks #2,581 of 4,374 nationally (same basis as /rankings/largest); and #133 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.02% net worth ratio and a 1.36% delinquency rate.
How does R-S Bellco compare to other credit unions?
PlainCU's health composite puts R-S Bellco at 79/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 R-S Bellco?
R-S Bellco operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact R-S Bellco directly for the exact boundaries and application steps.
Is my money safe at R-S Bellco?
Federal credit unions like R-S Bellco 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. R-S Bellco's net worth ratio of 7.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does R-S Bellco offer compared to banks?
Credit unions like R-S Bellco 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 R-S Bellco 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.