Bell Credit Union
Total assets
$28.5M
▲ +9.1% YoY
Shares & deposits
$25.8M
▲ +9.0% YoY
Loans
$18.2M
▲ +2.3% YoY
Members
2,114
▲ +1.3% YoY
ROA (annualized)
0.46%
peers 0.60%
ROE (annualized)
5.11%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Bell Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +1.3% | +7.8 pts |
| Share growth (YoY) | +9.0% | +0.7% | +8.4 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1601 N Lorraine, Hutchinson, KS, 67501
- NCUA charter #
- 67263
- RSSD ID
- 170798
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.5M | $25.8M | $18.2M | $2.6M | $33K | 0.46% | 3.93% | 2.64% | 2,114 |
| Q4 2025 | $27.3M | $24.5M | $18.1M | $2.5M | $209K | 0.77% | 3.85% | 3.08% | 2,106 |
| Q3 2025 | $27.0M | $24.3M | $18.1M | $2.6M | $240K | 1.18% | 4.21% | 1.77% | 2,121 |
| Q2 2025 | $26.9M | $24.4M | $17.9M | $2.5M | $151K | 1.12% | 4.15% | 2.27% | 2,103 |
| Q1 2025 | $26.1M | $23.7M | $17.8M | $2.4M | $60K | 0.92% | 4.13% | 2.62% | 2,086 |
| Q4 2024 | $25.5M | $23.1M | $17.5M | $2.3M | $109K | 0.43% | 3.48% | 2.83% | 2,086 |
| Q3 2024 | $25.3M | $22.7M | $17.7M | $2.4M | $173K | 0.91% | 3.73% | 2.81% | 2,087 |
| Q2 2024 | $24.8M | $22.4M | $17.6M | $2.4M | $131K | 1.06% | 3.79% | 1.80% | 2,079 |
Loan mix (Q1 2026): real estate $0 · commercial $331K · consumer $16.0M · securities $7.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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