TellerScore

Upper Darby Belltelco Federal Credit Union is a federal credit union headquartered in Upper Darby, Pennsylvania, in business for about 86 years. At the end of Q2 2026 it reported $71.6M in total assets and $53.5M in member shares and deposits, with 1 office.

Upper Darby Belltelco Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 16th. Capital cushion contributes the most (100/100, 25.31%); loan quality contributes the least (77/100, 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.31%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings100/100
Return on assets (annualized): 2.00%
Funding & liquidity100/100
Loans ÷ shares: 41.9% · 10.1% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.85%

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 2 points (92 → 94), mostly because the loan quality component improved by 9 points.

TellerScore
788796Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202493
Q4 202487
Q1 202591
Q2 202592
Q3 202596
Q4 202591
Q1 202691
Q2 202694
Net worth ratio
7.00%16.16%25.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.98%
Q3 202423.25%
Q4 202423.67%
Q1 202523.47%
Q2 202524.03%
Q3 202524.57%
Q4 202525.01%
Q1 202624.91%
Q2 202625.31%
Delinquent loans (60+ days)
0.50%1.48%2.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.46%
Q3 20240.77%
Q4 20241.47%
Q1 20251.04%
Q2 20250.96%
Q3 20250.50%
Q4 20251.03%
Q1 20260.99%
Q2 20260.69%
Return on assets
1.91%2.01%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.91%
Q3 20242.06%
Q4 20242.02%
Q1 20251.96%
Q2 20252.02%
Q3 20252.11%
Q4 20252.09%
Q1 20261.94%
Q2 20262.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$71.6M25.31%0.69%2.00%41.9%
Q1 202691$71.3M24.91%0.99%1.94%41.6%
Q4 202591$69.6M25.01%1.03%2.09%42.1%
Q3 202596$69.4M24.57%0.50%2.11%42.2%
Q2 202592$69.3M24.03%0.96%2.02%41.8%
Q1 202591$69.4M23.47%1.04%1.96%40.6%
Q4 202487$67.4M23.67%1.47%2.02%42.0%
Q3 202493$67.2M23.25%0.77%2.06%42.2%
Q2 202478$66.3M22.98%2.46%1.91%43.2%

2,479 peers · Under $100 million in assets

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 ratio25.31%
89th
Problem loans0.69%
50th
Net charge-offs0.08%
59th
Return on assets2.00%
94th
Loans to deposits41.9%
76th
Uninsured deposits10.1%
7th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
68th

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Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs
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Deposit insurance

Is my money safe at Upper Darby Belltelco Federal Credit Union?

Yes. Upper Darby Belltelco Federal Credit Union is a federally insured credit union (NCUA charter #3819). 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 10.1% of shares and deposits ($5.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Upper Darby Belltelco Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Upper Darby Belltelco Federal Credit Union reported 45 home-loan applications under HMDA (LEI 25490040IBIKTOL1DJ85): 45 originated ($3,195,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Upper Darby Belltelco Federal Credit Union
Type
Federal credit union
NCUA charter #
3819
RSSD ID
426673
Primary regulator
NCUA
Established
1940
Headquarters
1410 Bywood Avenue, Upper Darby, PA 19082
Employees
9

Quick answers

Upper Darby Belltelco Federal Credit Union: common questions

Is Upper Darby Belltelco Federal Credit Union NCUA insured?

Yes. Upper Darby Belltelco Federal Credit Union is a federally insured credit union (NCUA charter #3819). 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 Upper Darby Belltelco Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Upper Darby Belltelco Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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