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
- NW 82/100
- DELQ 24.9%
- ROA 1.03%
- ASSETS 1.95%
- MEM $69.6M
- RANK 3,555
- PHOTO #2,368/4,374
- BOOK SYCAMORE
- CHARTER 3819
Call Report peers
Upper Darby Belltelco in the assets neighbourhood
Upper Darby Belltelco's $69.6M assets sit next to SYCAMORE ($69.7M) 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.
Upper Darby Belltelco 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
82 43rd percentile higher than 43% 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
Upper Darby Belltelco - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3819 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Upper Darby Belltelco Call Report trajectory
Upper Darby Belltelco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $69.6M (2025Q4) to $71.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (25.01% → 24.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Upper Darby Belltelco, 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 ($69.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 Upper Darby Belltelco financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Upper Darby Belltelco's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,368 of 4,374; by total assets it ranks #2,143 of 4,374 nationally (same basis as /rankings/largest); and #102 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 24.91% net worth ratio and 1.03% delinquency rate are the key drivers.
How does Upper Darby Belltelco compare to other credit unions?
On PlainCU's health composite, Upper Darby Belltelco lands at 82/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Upper Darby Belltelco 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. Upper Darby Belltelco's net worth ratio of 24.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Upper Darby Belltelco offer compared to banks?
Credit unions like Upper Darby Belltelco 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 Upper Darby Belltelco 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.