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Belco Community Credit Union

Harrisburg, PA · Charter 68256

NCUA · 14 branches

Q2 2026

$974.4MAssets
$606.5MLoans
$879.4MShares
$104.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.95%, up 36 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.56% of loans (-29 bps YoY).
  • Capital: net worth / assets of 10.74%, up 48 bps from a year ago.
  • Funding: loans stand at 68.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.95%+36 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+20 bps YoY

Efficiency Ratio (YTD, annualized)

79.75%+28 bps YoY

Net Worth / Assets

10.74%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.34%0.60%0.58%0.74%0.56%0.89%0.95%+36 bps
Return on Equity2.78%3.40%6.00%5.70%6.85%5.39%8.52%8.83%+313 bps
Net Interest Margin3.05%3.08%2.83%3.08%3.25%3.21%3.06%3.27%+20 bps
Efficiency Ratio80.66%80.51%78.14%79.47%77.88%80.22%79.15%79.75%+28 bps
Growth
Asset Growth (YoY)2.30%1.95%3.18%3.14%1.20%3.80%2.22%2.40%-74 bps
Loan Growth (YoY)-5.35%-6.32%-5.76%-4.02%-1.75%-0.04%1.22%2.08%+610 bps
Share Growth (YoY)0.00%8.72%10.46%11.70%6.30%2.62%1.23%-0.98%-1,268 bps
Asset Quality
Delinquent Loans / Loans1.07%1.20%0.98%0.84%0.75%0.86%0.79%0.56%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.19%10.14%10.01%10.26%10.73%10.30%10.39%10.74%+48 bps
Net Worth / Assets10.19%10.14%10.01%10.26%10.73%10.30%10.39%10.74%+48 bps
Liquidity & Funding
Loans / Shares75.31%69.89%66.37%66.90%69.61%68.08%66.36%68.97%+207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps