State credit union · HUTCHINSON, Kansas · NCUA charter #67263
BELL
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $27.3M
- Total assets
- 2,106
- Members
- 9.0%
- Net-worth ratio
BELL scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.3M; members 2,106; net-worth ratio 9.02%; health rank #3,492 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,492 of 4,374 health · 2025Q4BELL · health 72/100 · $27.3M · 2025Q4
Call Report peers
BELL in the assets neighbourhood
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BELL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); BELL sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where BELL diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 73.92% vs peer 59.80% (+14.12 pp).
- Net Worth Ratio trails the peer set - 9.02% here, 14.86% peer average (-5.84 pp).
Where BELL sits in Kansas
- In Kansas, health place is #46 of 61 on the same NCUA-ratio sort used nationally.
- Assets rank #35 of 61 inside Kansas ($27.3M reported).
- Membership ranks #36 of 61 among Kansas CUs with a reported count (2,106 members).
- One place up in Kansas, CAMPUS (#45) scores 73/100, 1 point higher; one place down, Peoples Choice (#47) scores 70/100, 2 points lower.
Quarter path for BELL
BELL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $27.3M (2025Q4) to $28.5M (2026Q1).
- Net-worth ratio shifted -0.29 pp (9.31% → 9.02%).
9.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
BELL gives up 28 points in total. Delinquency Rate costs the most, 19.3 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 5.7 pts
- Return on Assets 13.5 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.02% | -5.84 pp |
| Delinquency Rate | 3.08% | +1.94 pp |
| Return on Assets | 0.40% | -0.31 pp |
| Member Growth | 0.96% | - |
| Loan-to-Share Ratio | 73.92% | +14.12 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.5M | - |
| 2025Q4 | $27.3M | 2,106 |
| 2024Q4 | $25.5M | 2,086 |
| 2023Q4 | $23.4M | 2,067 |
Credit Union Details
- Charter Number
- 67263
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- HUTCHINSON
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for BELL, spread across 2 cities.
| Office | City |
|---|---|
| Bell Credit Union (Main Office) | Hutchinson, KS |
| Underground Vaults and Storage | Hutchinson, KS |
| Hutchinson Postal Credit Union | Hutchinson, KS |
| Morton Credit Union | South Hutchinson, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for BELL
Similar total assets
Using this data
- BELL ranks #3,492 of 4,374 nationally on financial health and #46 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RELIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RELIANCE
Frequently Asked Questions
Is BELL financially healthy?
On its 2025Q4 NCUA 5300 filing, BELL scores 72/100 (Very Good), with a 9.02% net worth ratio and 3.08% of loans delinquent. It ranks #3,492 of 4,374 nationally on health and #46 of 61 in Kansas.
How does BELL compare to other credit unions?
BELL scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (73.92% vs 59.80%). Its widest shortfall is net worth ratio (9.02% vs 14.86%).
How can I join BELL?
Membership eligibility for BELL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact BELL directly for current membership requirements and application steps.
Is my money safe at BELL?
BELL is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. BELL's net worth ratio of 9.02% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.