Bell CU (KS)

Bell CU (KS) is headquartered in Hutchinson and is the 53^rd largest credit union in the state of Kansas. It is also the 4,707^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 4 employees and 1,342 members. Bell CU (KS)'s savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics BELL NCUA # 67263 BankRate Report View Year Chartered 1938 Employees 4 Primary Regulator Assets and Liabilities Assets $9.33 million Loans $6.35 million Deposits $7.81 million Equity Capital $1.47 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $62,000 Historic Data - December 2010 Assets $9.62 million Equity Capital $1.51 million Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $85,000 Profit Margin - Quarterly Net Interest Margin 6.07% Return on Assets -0.42% Return on Equity -2.65% Interest Income $457,000 Non-Interest Income $92,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bell CU (KS) had $62,000 in non-current loans and owned real-estate with $1.53 million in equity and loan loss allowances on hand to cover it. This gives Bell CU (KS) a Texas Ratio of 4.05% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bell CU (KS) decreased slightly from 5.41% as of December 31, 2010 to 4.05% as of December 31, 2011, resulting in a positive change of 25.10%.This indicates that the balance sheet and financial strength for Bell CU (KS) has improved slightly in recent periods. Deposit Growth In the past year, Bell CU (KS) has decreased its total deposits by $-237,000, resulting in -2.94% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bell CU (KS) has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bell CU (KS) has $9.33 million in assets with $1.53 million in equity, resulting in a capitalization level of 16.39%, which is excellent.

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