Credit Union Safety Analysis
Is R-S Bellco Federal Credit Union Safe? New Brighton, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, R-S Bellco Federal Credit Union has a net worth ratio of 7.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, 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, R-S Bellco Federal Credit Union's net worth ratio is 7.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 71.84%
R-S Bellco Federal Credit Union (NCUA charter 8540, established 1953) reported $44.5M in assets and 3,207 members for Q2 2026 from New Brighton, Pennsylvania. It ranks 131 of 269 credit unions in Pennsylvania by total assets. Total assets grew 13.3% from $39.3M on June 30, 2025. It has 111 more members than on June 30, 2025 (+3.6%). Its net worth ratio was down 0.39 percentage points from 7.56% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.6M of $29.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 7.02% for Q1 2026; 7.56% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.90% for Q1 2026; 0.72% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.09% for Q1 2026; 0.82% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 67.87% for Q1 2026; 64.83% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $12.6M
- Used vehicle loans: $5.9M
- Commercial loans: $5.2M
- New vehicle loans: $2.9M
- Other secured non-real estate loans and lines of credit: $2.1M
- Other unsecured loans and lines of credit: $580K
- Unsecured credit card loans: $455K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $44.5M | 7.17% | 0.86% | 0.72% | 71.84% |
| March 31, 2026 | $44.3M | 7.02% | 0.90% | 1.09% | 67.87% |
| December 31, 2025 | $41.2M | 7.24% | 1.36% | -0.47% | 69.66% |
| September 30, 2025 | $40.2M | 7.61% | 0.91% | 0.88% | 69.00% |
| June 30, 2025 | $39.3M | 7.56% | 0.72% | 0.82% | 64.83% |
| March 31, 2025 | $39.0M | 7.40% | 0.97% | 0.33% | 60.87% |
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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.
R-S Bellco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 8540) · FFIEC NIC profile (RSSD 251389)
Frequently asked questions
Is R-S Bellco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, R-S Bellco Federal Credit Union's net worth ratio is 7.17%, above the 7% NCUA threshold for well capitalized.
Is R-S Bellco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. R-S Bellco Federal Credit Union is a federally insured credit union (NCUA charter 8540): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are R-S Bellco Federal Credit Union's key safety ratios?
For Q2 2026, R-S Bellco Federal Credit Union reports net worth 7.17%, delinquency 0.86%, ROA 0.72%, loan-to-share 71.84%.
What happens to my money if R-S Bellco Federal Credit Union fails?
For Q2 2026, R-S Bellco Federal Credit Union held $41.4M in shares and deposits for 3,207 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.