Bellco Credit Union

PO Box 6455
Wyomissing, PA 19610
866.288.7660
www.bellcocu.org

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Bellco Credit Union is headquartered in Wyomissing and is the 49^th largest credit union in the state of Pennsylvania. It is also the 1,327^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 31 employees and 12,915 members. Bellco Credit Union's savings rates are 35% higher than the national average, and it has a 4-star health rating.

5.05% 60-Month / 4.75% 12-Month CD at a Colorado CU (Bellco). - 1/29/2008

Update 2/2/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Bellco Credit Union has some competitive CD rates. The top yields range from 4.75% APY for a 12-month term to 5.05% APY for a 60-month term. The minimum...

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See Rates for: Savings | Money Market | CD | IRA

Bellco Credit Union Savings Account Rates

Apy	Min	Max	Product
0.70%	-	-	Christmas Club Account
0.30%	-	-	Vacation Club Account
0.25%	-	-	Individual Retirement Accounts
0.25%	-	-	Roth Individual Retirement Accounts
0.25%	-	-	CESA Accounts
0.10%	-	-	Regular Savings Account

Bellco Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Money Market Accounts

Bellco Credit Union CD Rates

Apy	Min	Max	Product
2.78%	$100	-	60 Month Right Start Student CD
1.87%	$25k	-	60 Month CD
1.46%	$25k	-	48 Month CD
1.11%	$25k	-	36 Month CD
0.80%	$25k	-	24 Month CD
0.60%	$25k	-	12 Month CD
0.40%	$500	-	6 Month CD

Bellco Credit Union IRA Rates

Apy	Min	Max	Product
1.87%	$25k	-	60 Month IRA
1.87%	$25k	-	60 Month Roth IRA
1.87%	$25k	-	60 Month CESA
1.46%	$25k	-	48 Month IRA
1.46%	$25k	-	48 Month Roth IRA
1.46%	$25k	-	48 Month CESA
1.11%	$25k	-	36 Month IRA
1.11%	$25k	-	36 Month Roth IRA
1.11%	$25k	-	36 Month CESA
0.80%	$25k	-	24 Month IRA
0.80%	$25k	-	24 Month Roth IRA
0.80%	$25k	-	24 Month CESA
0.60%	$25k	-	12 Month IRA
0.60%	$25k	-	12 Month Roth IRA
0.60%	$25k	-	12 Month CESA
0.40%	$500	-	6 Month IRA
0.40%	$500	-	6 Month Roth IRA
0.40%	$500	-	6 Month CESA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

BELLCO
NCUA #	2531
BankRate Report	View
Year Chartered	1938
Employees	31
Primary Regulator
Assets and Liabilities
Assets	$111.36 million
Loans	$50.85 million
Deposits	$98.67 million
Equity Capital	$12.34 million
Loan Loss Allowance	$341,000
Unbacked Noncurrent Loans	$539,000
Historic Data - December 2010
Assets	$111.90 million
Equity Capital	$11.20 million
Loan Loss Allowance	$412,000
Unbacked Noncurrent Loans	$425,000
Profit Margin - Quarterly
Net Interest Margin	5.28%
Return on Assets	-0.13%
Return on Equity	-1.2%
Interest Income	$4.33 million
Non-Interest Income	$912,000

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bellco Credit Union had $539,000 in non-current loans and owned real-estate with $12.68 million in equity and loan loss allowances on hand to cover it. This gives Bellco Credit Union a Texas Ratio of 4.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bellco Credit Union held steady from 3.66% as of December 31, 2010 to 4.25% as of December 31, 2011, resulting in a negative change of 16.18%. This indicates that the balance sheet and financial strength for Bellco Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Bellco Credit Union has decreased its total deposits by -$1.62 million, resulting in -1.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bellco Credit Union has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bellco Credit Union has $111.36 million in assets with $12.68 million in equity, resulting in a capitalization level of 11.39%, which is above average.