# BELCO COMMUNITY CREDIT UNION
HARRISBURG, PA · NCUA charter 68256 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/belco-community-credit-union-68256

Who the members are: state charter, organized 1939, low-income designated. 68,378 members of 1,848,243 potential (3.7% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $983.6M |
| Members | 68,378 (-7.6% YoY) |
| Full-time staff | 212 |
| Net worth | $102.2M |
| Net worth ratio | 10.4% (p51 of band) |
| ROA (annualized) | 0.89% (p67 of band) |
| Total delinquency | 0.79% (p65 of band) |
| Net charge-offs (annualized) | 0.48% (p55 of band) |
| Loans / shares | 66% (p18 of band) |
| Cash / assets | 15.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.06% (p24 of band) |
| Operating expense / assets | 3.87% (p65 of band) |
| Vehicles % of loans | 24% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 94% (p49 of band) |
| Vehicle delinquency | 1.19% (p85 of band) |
| Vehicle NCO | 1.13% (p61 of band) |
| Repossessed % of vehicle book | 0.09% (p61 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 46% |
| Certificates % of member funds | 26% |
| Average share balance | $4,669 |
| Participations bought / yr | $11.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $70.9M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $15,981 |
| Loans granted, annualized | $156.8M |

## Participation posture (from the same filings)

Bought $11.4M and sold $0 in the latest annualized quarter; $70.9M outstanding purchased (69.4% of net worth), $9.9M sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | 3rd-party paper>100% NW |  |
| 2017-03 | 3 | net worth falling |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 3 | margin squeeze |  |
| 2017-12 | 3 | leaning on borrowings | margin squeeze |
| 2018-03 | 3 | net worth falling | leaning on borrowings |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 | leaning on borrowings | delinquency 2x band |
| 2018-12 | 1 |  | leaning on borrowings |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | net worth falling, leaning on borrowings |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | net worth falling |
| 2023-03 | 3 | delinquency 2x band, delinquency rising | leaning on borrowings |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 | leaning on borrowings | delinquency 2x band |
| 2024-03 | 5 | net worth falling, losing money, delinquency 2x band | delinquency rising |
| 2024-06 | 2 |  | net worth falling, losing money, delinquency 2x band |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | leaning on borrowings |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 1 |  | 3rd-party paper>100% NW |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-21 [Belco Community Credit Union plans to relocate Good Drive branch to new Centerville Road location - LancasterOnline](https://news.google.com/rss/articles/CBMipgJBVV95cUxNUjUxVzJzcGtnTURNcW93LVpYc1FiempnR1BfdWczN1F3blpfR1o3RG81UVJsTkswRFZwRlBncEhNMTZJYmJvaHdWUEpzX2lDLVU0SHVsaXVjaENmdzdKcWRVOGQtaHd2RmFxT2NpSUJ2R1R3Q0d0QTdTd0gzSExYSkQzYkpsS2V2ZWI5dDl2T3JzVUFBNUdYb3hrS19FNmUtWkIzY0x6NFgzMzQ1Rnc1Rzh5cVduNzBhaXUwb2xRdzNmbjRteC1USXJDOHRUNFczcWVOMTF4ZW5YM1JnTUNVcS0xTHdibDNCMnlwTFM2YVpCR2V3OU1WU2lXWV9VR1h6ZG1PYjdxcWhOczFCM1I4NE4tSDQ3VkZ2cWtfQjlBX2NuOU03SGc?oc=5) · LancasterOnline
- 2026-07-13 [Dauphin County-based credit union to open 13th branch - PennLive.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZFZwSlJGZUtRd0VvVTE2eEVXbVR1WUIzaDY2RTNyLXpHRVl5T2E2a1doR0t6ZkVTbmJqX0hwVXF6NzFNaGFMMlRkZTRJXy1BbUFNaVVBSURwanlNZ2xXdmRPTURacHlERUhVOXZ4MXpiX0xlMGc2TUI0SGUySnNWYXJ4dEthbTJRTHJUSFR0VUZQcW9TUzFXdWVuS0trbVN3a2c?oc=5) · PennLive.com
- 2026-08-04 [Central Pennsylvania credit union opening new ‘electronic branch’ - Yahoo](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQTFrSEZLR0Z6QzRxMmhEajBUeE5INkFnNlV4SWZPTkwzcGw3VzExYWUtLTJnaGl1U1NNY2JyUGx1RktfYnNUVVFQX2UzU2llQ3kyN3Z2OTlCOE53NXo4N0tIYmRyTnBZLVMxaHlhSW1jdDU4Rm80UEVNZ1c2bUZOX2lhbDNpRHFUczZTVWFlYjZKWmhyRncwVUdTNA?oc=5) · Yahoo
- 2026-08-03 [Central Pa. credit union location to transition to ‘electronic branch’ - PennLive.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOaWYtbWExN1owN3hjelJ2YjlmQWwzMl9TX1luQy02RmtaRS1ReTlyTDdyMnh5RS0yTmFpWFFfb1cwT0Y4VENRVElhQW5YR3RrbmxPM2J5ZVVrb2YwakpfU2RQMml0dXl2aXVJRUdOYlpPZ083WHQ3YVpla1ZyRWRVQm9mZ3BfeHdLaHJzb29wYTVNWXEtUXFwV0RtUWFTbW90dm1oUGNGODhSZHNuOXE4NEhNMDk?oc=5) · PennLive.com
- 2018-01-11 [How one credit union reshaped its management team - americanbanker.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQV9qd1dHYnB2U3RUTEtxU1oyMTFfbUZKYUFnUWFnbkI3SmRPdzRSajhyY2EyQ2pmRmR5czZGWm1sM3V1eGlqc0ktS1pKU0l2QXJCTHJSMy1QOFVjZXJwVTBja0M2R2pOVFhoamdfVlU5Ry1xdS1RRTQ3LWZOMVQ2MzNzNWVYLUhqQTVTZXZmOW10TlBPTW9wVVo5WFRWYld1aEE?oc=5) · americanbanker.com
- 2023-04-13 [BELCO ANNOUNCES 84th ANNUAL BUSINESS MEETING HIGHLIGHTS AND BOARD OF DIRECTORS - PR Newswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOYU81QTNkaVhLVVFRTHZVVExHdFA1b3p1R2RkeVJOOFFZcUNGSjg3eDdVTnVDTGVZcFJPVG5iWGtuemxJSTBIWVJUVE5abmpyMG1HRTdzbDZadjMtY2xqWjhkdFc5dmlVX3E3a0phMWJKVkdwNEF3ekI5dTh1Qmg4RmFXOFZqS2c1N01KSWtPb1p2QS1ETlVGdlc5LVFuV0VYeVRDTDJVb0lzR3J3YTBjb0owUjR0akZqVGZ2TkV3b3RCY3RxOGVVR25VdzN2SlU?oc=5) · PR Newswire
- 2022-11-14 [Belco Community Credit Union CEO Amey Sgrignoli Named to 2022 Most Powerful Women in Credit Unions list - citybiz](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQbEQyVlp0cHg0X3ZKeHp3Tng5dEJCMnVJSWFMNklvQnA2LUp5RExYTmktMW9kdGkxajQ0M0ZITUpZRGxFWDZvNnZrOHZtY0h4NXVxOFB0cXhLQnFNYzFtQVJqYmI2VVZjbWVfOUNlV1NmNmRiNVZVZ2dJMzBBQU53R0ZYcVlPR2dzSHllSGxWcmptM3dOeTVFdTUyZUpKaGZ4Sl9OQjZhZGdGV1k0NWxTcUF4Y0czTndVT1o5dEFzV29OY2t0LVRPXzJGcWUydmpYS21FQl9QYkZtZw?oc=5) · citybiz
- 2026-07-13 [Belco Community Credit Union breaks ground on fourth Lancaster County branch - LancasterOnline](https://news.google.com/rss/articles/CBMiigJBVV95cUxPZFQ2VGtnUlBSTTlkOWRYOFo5dHVnY0ZERnFxZnhRZHV1UkNBZ2JqNURfclB5M1N4TVBEYVY0YWhYbV9TalBMZE1IbTdVclRLQkJBbERKTDd6cVZuNGFnc2pLcnRaaHF6Wm1ONTdObXRfQ0NNai00QzFFb1pvZjNKVWxTRmdMeXBRaXpEUUx2Vl82LWtDT0pCblRlS3BnZ2d5TzBEUEZLQ01mSEpkWDNuX0MzNWU3MzBWdnZkUURWOTZXSzU2Mi1UdF9CYU54aXlfajMwT3RPWXNRSVFQVGtCcjdIdnZJZmZCNE5WWGdFaE9KOHlZd2FYU1JTM1JxSDdvdXZrZ29EaUphdw?oc=5) · LancasterOnline

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68256 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/32.json (key "68256", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68256
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide