BELCO COMMUNITY CREDIT UNION
Charter #68256 · HARRISBURG, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.08% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.04% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 48th — a 50-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 | BELCO COMMUNITY CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $983.60M | 98th pct | 48th pct |
| Members | 68,378 | 95th pct | 67th pct |
| Net worth ratio | 10.39% | 50th pct | 39th pct |
| Return on average assets | 0.89% | 66th pct | 74th pct |
| Net interest margin | 3.08% | 24th pct | 21th pct |
| Cost of funds | 0.04% | 3th pct | 7th pct |
| Loan-to-share | 66.36% | 18th pct | 34th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 70th pct |
| Net charge-off ratio | 0.48% | 55th pct | 56th pct |
| Loan growth YoY | -0.30% | 35th pct | 28th pct |
| Share growth YoY | 4.57% | 60th pct | 57th pct |
| Efficiency ratio | 79.15% | 55th pct | 62th pct |
structural peer set hash: 3fa5c4a27d7afa32cd37ef548a326731… (reproducible)
Closest structural peers
This is the free public view
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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.