Belco Community Credit Union (NCUA charter #68256) is based in Harrisburg, Pennsylvania. Its Q2 2026 call report shows $974.4M in total assets and $879.4M in member shares and deposits and 10 offices.
Belco Community Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 159th. Problem-loan coverage contributes the most (93/100, 3.4%); capital cushion contributes the least (57/100, 10.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (65 → 72), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 56 |
| Q3 2024 | 59 |
| Q4 2024 | 59 |
| Q1 2025 | 63 |
| Q2 2025 | 65 |
| Q3 2025 | 68 |
| Q4 2025 | 65 |
| Q1 2026 | 69 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.99% |
| Q3 2024 | 10.19% |
| Q4 2024 | 10.14% |
| Q1 2025 | 10.01% |
| Q2 2025 | 10.26% |
| Q3 2025 | 10.73% |
| Q4 2025 | 10.30% |
| Q1 2026 | 10.39% |
| Q2 2026 | 10.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.20% |
| Q1 2025 | 0.98% |
| Q2 2025 | 0.84% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.56% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.28% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.56% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $974.4M | 10.74% | 0.56% | 0.95% | 69.0% |
| Q1 2026 | 69 | $983.6M | 10.39% | 0.79% | 0.89% | 66.4% |
| Q4 2025 | 65 | $971.5M | 10.30% | 0.86% | 0.56% | 68.1% |
| Q3 2025 | 68 | $931.9M | 10.73% | 0.75% | 0.74% | 69.6% |
| Q2 2025 | 65 | $951.6M | 10.26% | 0.84% | 0.58% | 66.9% |
| Q1 2025 | 63 | $962.2M | 10.01% | 0.98% | 0.60% | 66.4% |
| Q4 2024 | 59 | $935.9M | 10.14% | 1.20% | 0.34% | 69.9% |
| Q3 2024 | 59 | $920.8M | 10.19% | 1.07% | 0.28% | 75.3% |
| Q2 2024 | 56 | $922.6M | 9.99% | 1.12% | 0.06% | 77.9% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sun East Federal Credit UnionCredit union Aston, PA | 54 out of 100, Below average | $908.6M | 8.6% | 1.11% | vs |
| Ardent Federal Credit UnionCredit union Phila, PA | 64 out of 100, Moderate | $869.3M | 10.1% | 0.53% | vs |
| Service 1st Federal Credit UnionCredit union Danville, PA | 71 out of 100, Strong | $837.1M | 11.1% | 0.49% | vs |
| Erie Federal Credit UnionCredit union Erie, PA | 72 out of 100, Strong | $808.0M | 10.6% | 0.62% | vs |
| Armco Credit UnionCredit union Butler, PA | 79 out of 100, Strong | $719.5M | 13.7% | 0.55% | vs |
| Apci Federal Credit UnionCredit union Lehigh Valley, PA | 70 out of 100, Strong | $678.2M | 9.1% | 0.09% | vs |
Deposit insurance
Is my money safe at Belco Community Credit Union?
Yes. Belco Community Credit Union is a federally insured credit union (NCUA charter #68256). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.9% of shares and deposits ($34.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Belco Community Credit Union lists 10 offices in 6 cities. Most locations:
- Harrisburg, PA (3)
- Lancaster, PA (3)
- Hanover, PA (1)
- Lebanon, PA (1)
- Mechanicsburg, PA (1)
- Newville, PA (1)
HMDA 2025
Mortgage lending
In 2025, Belco Community Credit Union reported 1,216 home-loan applications under HMDA (LEI 549300JBMMNIOX7XU115): 704 originated ($62,710,000 total), 380 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Belco Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68256
- RSSD ID
- 534970
- Primary regulator
- State + NCUA
- Established
- 1939
- Headquarters
- 449 Eisenhower Blvd, Harrisburg, PA 17111
- Employees
- 216
Quick answers
Belco Community Credit Union: common questions
Is Belco Community Credit Union NCUA insured?
Yes. Belco Community Credit Union is a federally insured credit union (NCUA charter #68256). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Belco Community Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Belco Community Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Harrisburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Penn-Trafford School Emp. Federal Credit UnionCredit union Trafford, PA | 99 out of 100, Very strong | $5.3M | 21.2% | 0.00% | vs |
| Susquehanna Valley Federal Credit UnionCredit union Camp Hill, PA | 90 out of 100, Very strong | $86.9M | 12.3% | 0.07% | vs |
| Members 1st Federal Credit UnionCredit union Enola, PA | 88 out of 100, Very strong | $8.7B | 15.1% | 0.73% | vs |
| Central Susquehanna Community Federal Credit UnionCredit union Danville, PA | 82 out of 100, Strong | $37.4M | 12.1% | 0.00% | vs |
| First Capital Federal Credit UnionCredit union York, PA | 81 out of 100, Strong | $368.5M | 11.9% | 0.20% | vs |
| Pennsylvania State Employees Credit UnionCredit union Harrisburg, PA | 80 out of 100, Strong | $9.7B | 11.8% | 0.75% | vs |