PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bellco

Greenwood Villa, CO · Charter 68437

NCUA · 29 branches

Q2 2026

$8.5BAssets
$7.0BLoans
$7.1BShares
$876.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.72%, down 5 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 1.47% of loans (+91 bps YoY).
  • Capital: net worth / assets of 10.25%, up 75 bps from a year ago.
  • Funding: loans stand at 98.29% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.72%+1 bps YoY

Efficiency Ratio (YTD, annualized)

61.57%+448 bps YoY

Net Worth / Assets

10.25%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.85%0.80%0.71%0.72%-5 bps
Return on Equity8.11%8.66%8.00%7.07%7.01%-110 bps
Net Interest Margin2.72%2.76%2.81%2.74%2.72%+1 bps
Efficiency Ratio57.09%56.33%56.66%59.46%61.57%+448 bps
Growth
Asset Growth (YoY)3.78%-0.07%-1.86%0.24%0.20%-358 bps
Loan Growth (YoY)3.62%0.41%-1.91%-3.58%-1.57%-519 bps
Share Growth (YoY)-0.71%0.41%-1.95%0.78%3.70%+441 bps
Asset Quality
Delinquent Loans / Loans0.57%0.58%0.46%0.41%1.47%+91 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.50%9.77%10.03%9.98%10.25%+75 bps
Net Worth / Assets9.50%9.77%10.03%9.98%10.25%+75 bps
Liquidity & Funding
Loans / Shares103.55%102.89%100.74%98.12%98.29%-526 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps