Bell Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.0. Fair liquidity 4.5, driven by a liquidity ratio of 20.7 percent and a “hot money” ratio of 17.3 percent.
Asset Mix:
Consumer loans (56%), comm loans (1%), other (43%)
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