Credit Union Safety Analysis
Is Bellco Credit Union Safe? Greenwood Village, Colorado
Based on its Q2 2026 NCUA 5300 call report, Bellco Credit Union has a net worth ratio of 10.25%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.47%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Bellco Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.25%
- Delinquency ratio (60+ days) (Q2 2026): 1.47%
- Return on assets (Q2 2026): 0.73%
- Loan-to-share ratio (Q2 2026): 98.29%
Bellco Credit Union (NCUA charter 68437, established 1936) reported $8.55B in assets and 360,569 members for Q2 2026 from Greenwood Village, Colorado. It ranks 2 of 61 credit unions in Colorado by total assets. Total assets grew 0.2% from $8.53B on June 30, 2025. It has 11,089 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was up 0.75 percentage points from 9.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.64B of $6.98B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.47% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.98% for Q1 2026; 9.50% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.41% for Q1 2026; 0.57% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.71% for Q1 2026; 0.87% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 98.12% for Q1 2026; 103.55% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.64B
- Commercial loans: $2.33B
- Used vehicle loans: $989.7M
- New vehicle loans: $371.4M
- Other unsecured loans and lines of credit: $292.7M
- Other secured non-real estate loans and lines of credit: $155.9M
- Unsecured credit card loans: $79.3M
- Non-federally guaranteed student loans: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.55B | 10.25% | 1.47% | 0.73% | 98.29% |
| March 31, 2026 | $8.63B | 9.98% | 0.41% | 0.71% | 98.12% |
| December 31, 2025 | $8.43B | 10.03% | 0.46% | 0.65% | 100.74% |
| September 30, 2025 | $8.51B | 9.77% | 0.58% | 0.99% | 102.89% |
| June 30, 2025 | $8.53B | 9.50% | 0.57% | 0.87% | 103.55% |
| March 31, 2025 | $8.61B | 9.21% | 0.57% | 0.67% | 102.56% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68437) · FFIEC NIC profile (RSSD 283698)
Frequently asked questions
Is Bellco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Bellco Credit Union's net worth ratio is 10.25%, above the 7% NCUA threshold for well capitalized.
Is Bellco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Bellco Credit Union is a federally insured credit union (NCUA charter 68437): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Bellco Credit Union's key safety ratios?
For Q2 2026, Bellco Credit Union reports net worth 10.25%, delinquency 1.47%, ROA 0.73%, loan-to-share 98.29%.
What happens to my money if Bellco Credit Union fails?
For Q2 2026, Bellco Credit Union held $7.10B in shares and deposits for 360,569 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.