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Bellco

Wyomissing, PA · Charter 2531

NCUA · 2 branches

Q1 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2024, the quarter ended March 31, 2024, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bellco

Wyomissing, PA · Charter 2531

NCUA · 2 branches

Q1 2024

$175.7MAssets
$138.0MLoans
$161.6MShares
$15.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, up 29 bps year over year; NIM at 3.66%.
  • Asset quality: problem loans at 0.75% of loans (+29 bps YoY).
  • Capital: net worth / assets of 8.54%, up 62 bps from a year ago.
  • Funding: loans stand at 85.40% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

0.75%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.66%+15 bps YoY

Efficiency Ratio (YTD, annualized)

79.19%-505 bps YoY

Net Worth / Assets

8.54%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.58%0.65%0.61%0.46%1.02%0.94%0.83%0.75%+29 bps
Return on Equity7.18%8.12%7.37%5.78%12.09%10.80%9.84%8.74%+296 bps
Net Interest Margin3.21%3.27%3.38%3.51%3.64%3.70%3.53%3.66%+15 bps
Efficiency Ratio83.94%82.73%83.97%84.24%74.52%75.55%76.56%79.19%-505 bps
Growth
Asset Growth (YoY)2.37%5.49%2.60%6.62%6.10%2.09%7.65%3.69%-293 bps
Loan Growth (YoY)23.10%22.87%18.40%15.29%5.25%1.00%1.55%3.13%-1,216 bps
Share Growth (YoY)3.22%4.53%0.87%7.34%6.01%4.05%9.63%2.70%-464 bps
Asset Quality
Delinquent Loans / Loans0.27%0.35%0.56%0.46%0.49%0.78%0.84%0.75%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.31%0.31%0.31%0.34%0.40%0.00%0.00%0.00%-34 bps
Capital
Risk-Based Capital8.05%8.06%8.21%7.93%8.41%8.71%8.46%8.54%+62 bps
Net Worth / Assets8.05%8.06%8.21%7.93%8.41%8.71%8.46%8.54%+62 bps
Liquidity & Funding
Loans / Shares87.78%93.32%94.23%85.04%87.15%90.58%87.29%85.40%+36 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps