Federal credit union · UPPER DARBY, Pennsylvania · NCUA charter #3819
Upper Darby Belltelco
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $69.6M
- Total assets
- 3,555
- Members
- 24.9%
- Net-worth ratio
Upper Darby Belltelco scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.6M; members 3,555; net-worth ratio 24.91%; health rank #2,368 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,368 of 4,374 health · 2025Q4Upper Darby Belltelco · health 82/100 · $69.6M · 2025Q4
Call Report peers
Upper Darby Belltelco in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Upper Darby Belltelco vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Upper Darby Belltelco sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Upper Darby Belltelco vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +11.29 pp (24.91% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 42.09% vs peer 62.60% (-20.51 pp).
Where Upper Darby Belltelco sits in Pennsylvania
- In Pennsylvania, health place is #116 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #102 of 275 inside Pennsylvania ($69.6M reported).
- Pennsylvania membership ordinal: #128 of 275.
- One place up in Pennsylvania, First Commonwealth (#115) scores 83/100, 1 point higher; one place down, Firstenergy Choice (#117) ties at 82/100.
Upper Darby Belltelco Call Report trajectory
Upper Darby Belltelco: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $69.6M (2025Q4) to $71.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (25.01% → 24.91%).
24.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Upper Darby Belltelco gives up 18 points in total. Member Growth costs the most, 7.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.3 pts
- Loan-to-Share Ratio 9.9 pts
Upper Darby Belltelco vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.91% | +11.29 pp |
| Delinquency Rate | 1.03% | +0.06 pp |
| Return on Assets | 1.95% | +1.30 pp |
| Member Growth | -0.92% | - |
| Loan-to-Share Ratio | 42.09% | -20.51 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.3M | - |
| 2025Q4 | $69.6M | 3,555 |
| 2024Q4 | $67.4M | 3,588 |
| 2023Q4 | $63.6M | 3,618 |
Credit Union Details
- Charter Number
- 3819
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- UPPER DARBY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Upper Darby Belltelco runs one office.
| Office | City |
|---|---|
| Upper Darby Belltelco FCU (Main Office) | Upper Darby, 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.
Upper Darby Belltelco nationwide neighbourhoods
Using this data
- Upper Darby Belltelco ranks #2,368 of 4,374 nationally on financial health and #116 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GALAXY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GALAXY
Frequently Asked Questions
Is Upper Darby Belltelco financially healthy?
Upper Darby Belltelco has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,368 of 4,374 nationally on health and #116 of 275 in Pennsylvania. Its net worth ratio is 24.91% and its delinquency rate 1.03%.
How does Upper Darby Belltelco compare to other credit unions?
Upper Darby Belltelco scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (24.91% vs 13.62%). Its widest shortfall is loan-to-share ratio (42.09% vs 62.60%).
How can I join Upper Darby Belltelco?
Upper Darby Belltelco 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 Upper Darby Belltelco directly for the exact boundaries and application steps.
Is my money safe at Upper Darby Belltelco?
Upper Darby Belltelco is a federal 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. Upper Darby Belltelco's net worth ratio of 24.91% 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.