R-S BELLCO

Charter #8540 · New Brighton, PA · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

Net worth ratio of 7.02% sits at the 5th percentile of structural peers — worth a closer look.
Return on average assets of 1.13% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
Delinquency 60+ days of 0.90% sits at the 75th percentile of structural peers — worth a closer look.
On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 56th — a 35-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	R-S BELLCO	Asset-tier percentile	Structural percentile
Total assets	$44.32M	91th pct	56th pct
Members	3,175	79th pct	56th pct
Net worth ratio	7.02%	2th pct	5th pct
Return on average assets	1.13%	73th pct	79th pct
Net interest margin	3.84%	49th pct	62th pct
Cost of funds	1.17%	65th pct	62th pct
Loan-to-share	67.87%	67th pct	59th pct
Delinquency 60+ days	0.90%	65th pct	75th pct
Net charge-off ratio	0.43%	69th pct	70th pct
Loan growth YoY	9.18%	98th pct	90th pct
Share growth YoY	11.01%	96th pct	87th pct
Efficiency ratio	76.54%	40th pct	33th pct

structural peer set hash: 10ef0fbf52f979bd695a7d7e8514c391… (reproducible)

Closest structural peers

PENLANCO65.6%

#2834 · PA

NIAGARA REGIONAL62.2%

#3285 · NY

YORK EDUCATIONAL59.6%

#19429 · PA

NEW HAVEN COUNTY59.2%

#65809 · CT

SANTO CHRISTO59.1%

#9822 · MA

SUPERIOR CREDIT UNION58.7%

#60215 · PA

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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.