UPPER DARBY BELLTELCO
Charter #3819 · UPPER DARBY, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.91% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.96% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.85% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.84% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 62nd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | UPPER DARBY BELLTELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $71.25M | 49th pct | 54th pct |
| Members | 3,545 | 19th pct | 44th pct |
| Net worth ratio | 24.91% | 98th pct | 87th pct |
| Return on average assets | 1.96% | 95th pct | 90th pct |
| Net interest margin | 3.41% | 34th pct | 62th pct |
| Cost of funds | 1.85% | 89th pct | 90th pct |
| Loan-to-share | 41.56% | 16th pct | 31th pct |
| Delinquency 60+ days | 0.99% | 71th pct | 66th pct |
| Net charge-off ratio | 0.14% | 38th pct | 59th pct |
| Loan growth YoY | 0.62% | 69th pct | 74th pct |
| Share growth YoY | 2.23% | 43th pct | 51th pct |
| Efficiency ratio | 49.84% | 4th pct | 15th pct |
structural peer set hash: ef31d52bf8483f87dc4b0d4dc121d12a… (reproducible)
Closest structural peers
This is the free public view
Claim UPPER DARBY BELLTELCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.