Bell Credit Union
Major Rating Factors:
A current level of 19.5 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Weak asset quality (2.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 18.6 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.4 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (60%), other (40%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1601 North Lorraine Street
Hutchinson, KS 67501
Hutchinson, KS 67501
Phone Number
(620) 662-0731
NCUA Charter Number
Website
Largest Competitors
Lenexa, KS
Hutchinson, KS
Hutchinson, KS
Hutchinson, KS
Hutchinson, KS