TellerScore

Headquartered in Greenwood Villa, Colorado, Bellco Credit Union is a federally insured state-chartered credit union with $8.5B in total assets and $7.1B in member shares and deposits as of Q2 2026. It operates 31 offices. Its charter dates back to 1936.

Based on its Q2 2026 filing, Bellco Credit Union scores 55/100, which we describe as moderate. That is higher than only 13% of 454 credit unions with $1 billion – $10 billion. Among 62 credit unions headquartered in Colorado, it ranks 50th. Its strongest component is problem-loan coverage (76/100; 11.8%), and its lowest is earnings (49/100; 0.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.25%
Loan quality51/100
Loans 60+ days delinquent ÷ total loans: 1.47%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity60/100
Loans ÷ shares: 98.3% · 16.2% uninsured
Problem-loan coverage76/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.84%

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 fell 6 points (61 → 55), mostly because the loan quality component weakened by 30 points.

TellerScore
556065Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202459
Q1 202560
Q2 202561
Q3 202563
Q4 202565
Q1 202665
Q2 202655
Net worth ratio
7.00%8.63%10.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.21%
Q3 20249.03%
Q4 20249.05%
Q1 20259.21%
Q2 20259.50%
Q3 20259.77%
Q4 202510.03%
Q1 20269.98%
Q2 202610.25%
Delinquent loans (60+ days)
0.41%0.94%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.61%
Q4 20240.63%
Q1 20250.57%
Q2 20250.57%
Q3 20250.58%
Q4 20250.46%
Q1 20260.41%
Q2 20261.47%
Return on assets
0.61%0.73%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.68%
Q4 20240.61%
Q1 20250.67%
Q2 20250.77%
Q3 20250.85%
Q4 20250.80%
Q1 20260.71%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$8.5B10.25%1.47%0.72%98.3%
Q1 202665$8.6B9.98%0.41%0.71%98.1%
Q4 202565$8.4B10.03%0.46%0.80%100.7%
Q3 202563$8.5B9.77%0.58%0.85%102.9%
Q2 202561$8.5B9.50%0.57%0.77%103.5%
Q1 202560$8.6B9.21%0.57%0.67%102.6%
Q4 202459$8.6B9.05%0.63%0.61%100.7%
Q3 202459$8.5B9.03%0.61%0.68%102.9%
Q2 202461$8.2B9.21%0.57%0.78%99.2%

454 peers · $1 billion – $10 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).

Capital ratio10.25%
35th
Problem loans1.47%
11th
Net charge-offs0.42%
62nd
Return on assets0.72%
41st
Loans to deposits98.3%
19th
Uninsured deposits16.2%
10th
Loan-loss reserves0.00%
50th
Texas ratio11.8%
10th

Similar-size credit unions in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Canvas Credit UnionCredit union Lone Tree, CO56 out of 100, Moderate$5.3B9.5%1.14%vs
Meritrust Credit UnionCredit union Broomfield, CO54 out of 100, Below average$4.1B8.1%0.48%vs
Elevations Credit UnionCredit union Boulder, CO72 out of 100, Strong$3.5B11.7%0.49%vs
Credit Union of Colorado, aCredit union Denver, CO65 out of 100, Moderate$2.6B10.4%0.74%vs
Westerra Credit UnionCredit union Denver, CO65 out of 100, Moderate$2.1B10.3%0.50%vs
Credit Union of DenverCredit union Lakewood, CO75 out of 100, Strong$1.2B12.6%0.48%vs

Deposit insurance

Is my money safe at Bellco Credit Union?

Yes. Bellco Credit Union is a federally insured credit union (NCUA charter #68437). 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 16.2% of shares and deposits ($1.2B) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

31 locations

Branches

Bellco Credit Union lists 31 offices in 23 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bellco Credit Union reported 5,879 home-loan applications under HMDA (LEI 5493008L9O5NV7EAK360): 2,822 originated ($477,620,000 total), 2,407 denied, and 525 withdrawn or closed by the applicant. Its denial rate on decided applications was 45.0%, 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
Bellco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68437
RSSD ID
283698
Primary regulator
State + NCUA
Established
1936
Headquarters
7600 E Orchard Rd, Ste 400n, Greenwood Villa, CO 80111
Employees
529

Quick answers

Bellco Credit Union: common questions

Is Bellco Credit Union NCUA insured?

Yes. Bellco Credit Union is a federally insured credit union (NCUA charter #68437). 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 Bellco Credit Union's TellerScore?

55 out of 100 (Moderate), 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 Bellco Credit Union have?

31 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwood Villa

InstitutionScoreAssetsCapitalProblem loansCompare
AMG National Trust BankBank Boulder, CO94 out of 100, Very strong$722.9M15.4%0.04%vs
Star Tech Federal Credit UnionCredit union Greenwood Villa, CO91 out of 100, Very strong$11.1M22.2%0.38%vs
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
5Star BankBank Colorado Springs, CO87 out of 100, Very strong$378.2M17.2%0.16%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs