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P.O. Box 6455
Wyomissing, PA 19610

Bellco Credit Union is headquartered in Wyomissing and is the 53rd largest credit union in the state of Pennsylvania. It is also the 1,407th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 28 employees and 12,987 members. Bellco Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Berks County. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bellco Credit Union had $469,000 in non-current loans and owned real-estate with $10.63 million in equity and loan loss allowances on hand to cover it. This gives Bellco Credit Union a Texas Ratio of 4.41% 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 experienced no significant changes from 2.54% as of March 31, 2013 to 4.41% as of March 31, 2014, resulting in a negative change of 73.90%. This indicates that the balance sheet and financial strength for Bellco Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Bellco Credit Union has decreased its total deposits by $-602,000, resulting in -0.59% 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 average.



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 $111.73 million in assets with $10.63 million in equity, resulting in a capitalization level of 9.51%, which is above average.

Institution Statistics

NCUA #2531
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$111.73 million
Loans$51.93 million
Deposits$100.64 million
Equity Capital$10.33 million
Loan Loss Allowance$302,000
Unbacked Noncurrent Loans$443,000
Real Estate Owned$26,000
Historic Data - March 2013
Assets$114.03 million
Equity Capital$11.95 million
Loan Loss Allowance$308,000
Unbacked Noncurrent Loans$443,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.15%
Return on Equity1.67%
Interest Income$873,000

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Bellco Credit Union Savings Account Rates

0.50%-$10kKasasa Saver - Qualifying
0.25%--Vacation Club Account
0.25%--Christmas Club Account
0.15%--Individual Retirement Accounts
0.15%--Roth Individual Retirement Accounts
0.15%--CESA Accounts
0.05%--Regular Savings Account
0.05%--Kasasa Saver - Non Qualifying

Bellco Credit Union Money Market Rates

0.25%$50k-Money Market Accounts

Bellco Credit Union Checking Account Rates

2.00%-$10kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying

Bellco Credit Union CD Rates

2.38%$100-60 Month Right Start Student CD
1.36%$25k-60 Month CD
1.10%$25k-48 Month CD
0.70%$25k-36 Month CD
0.60%$25k-24 Month CD
0.40%$25k-12 Month CD
0.20%$500-6 Month CD

Bellco Credit Union IRA Rates

1.36%$25k-60 Month IRA
1.10%$25k-48 Month IRA
0.70%$25k-36 Month IRA
0.60%$25k-24 Month IRA
0.40%$25k-12 Month IRA
0.20%$500-6 Month IRA

Bellco Credit Union Locations
Branch Office2 Cloister CtSinking Spring, PA 19608
Branch Office1251 N Front StReading, PA 19601
Branch Office609 Spring StWyomissing, PA 19610