Belco Community Credit Union Harrisburg, Pennsylvania
Belco Community Credit Union is a state-chartered credit union headquartered in Harrisburg, PA, established in 1939 (NCUA charter 68256), and it is regulated and insured by the NCUA. At Q2 2026 it reported 67,711 members and total assets of $974.4M (up 2.4% from Q2 2025), the 17th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 10.74% at Q2 2026, in the well capitalized band.
Also written as Belco Community CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68256
- Headquarters
- Harrisburg, PA
- Established
- 1939
- Total assets, Q2 2026
- $974.4M
- Assets vs Q2 2025
- +2.4%
- Members, Q2 2026
- 67,711
- Net worth ratio, Q2 2026
- 10.74%
- Latest call report
- Q2 2026, NCUA 5300 · Belco Community Credit Union call report
- Asset rank in state
- 17th of 269 in Pennsylvania
- Routing number
- 231380997
- Branches
- 13
It has 5,930 fewer members than on June 30, 2025 (-8.1%). Its net worth ratio was up 0.48 percentage points from 10.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $291.5M of $606.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.56% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.74% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Belco Community Credit Union
Wilmac Employees Credit Union (2022) · Cornerstone Federal Credit Union (2017) · Our Family Federal Credit Union (2015)
Frequently asked about Belco Community Credit Union
How big is Belco Community Credit Union?
At Q2 2026 it reported total assets of $974.4M and 67,711 members.
Where is Belco Community Credit Union headquartered?
It is headquartered in Harrisburg, PA, United States.
When was Belco Community Credit Union founded?
It was established in 1939, per NCUA records.
Is Belco Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68256): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Belco Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Belco Community Credit Union well capitalized?
Its net worth ratio was 10.74% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Belco Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.56% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Belco Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.97% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Harrisburg, PA 17111
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 68256
- RSSD ID
- 534970
- Members
- 67,711
- Potential members
- 1,848,243
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.74% | 11.43% | 39th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.00% | 0.81% | 61st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.34% | 7.02% | 71st above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.46% | 3.70% | 35th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.27% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.17% | 1.24% | 55th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.56% | 0.68% | 61st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.63% | 4.92% | 31st position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 68.97% | 75.66% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$974.4M total assets against $951.6M; $879.4M total shares and deposits against $888.1M; $606.5M total loans against $594.2M.
$104.6M net worth against $97.7M.
10.74% net worth ratio against 10.26%.
68.97% loan-to-share ratio against 66.90%.
0.56% delinquency ratio against 0.84%.
1.00% return on assets against 0.56%; 9.34% return on equity against 5.47%.
3.46% net interest margin against 3.29%.
67,711 members against 73,641.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.74% | 1.00% | 0.56% | 68.97% |
| March 31, 2026 | 10.39% | 0.89% | 0.79% | 66.36% |
| December 31, 2025 | 10.30% | 0.10% | 0.86% | 68.08% |
| September 30, 2025 | 10.73% | 1.01% | 0.75% | 69.61% |
| June 30, 2025 | 10.26% | 0.56% | 0.84% | 66.90% |
| March 31, 2025 | 10.01% | 0.60% | 0.98% | 66.37% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.