| Metric | Bell Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.3% | +0.9% | +4.4 pts |
| Loan growth (YoY) | +1.7% | -2.6% | +4.3 pts |
| ROA | 0.97% | 0.65% | +0.3 pts |
| ROE | 10.3% | 4.4% | +5.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $28.4M | $25.7M | $18.2M | $2.7M | $138K | 0.97% | 4.10% | 2.92% | 2,121 |
| 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% |
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,087 |
| Q2 2024 | $24.8M | $22.4M | $17.6M | $2.4M | $131K | 1.06% | 3.79% | 1.80% | 2,079 |
Loan mix (Q2 2026): real estate $0 · commercial $350K · consumer $16.0M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 80.6% | 14th |
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% |
| 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% |
| Ratio | Bell Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Reno, KS, ranked 16th with 1.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Reno, KS | 4 | $25.7M* | 1.12% | 16th |
Kansas: 258th with 0.02% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 4 · 2026 4