Bell-Government Credit Union

Bell-Government Credit Union is headquartered in Dodge City and is the 66^th largest credit union in the state of Kansas. It is also the 5,419^st largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 3 employees and 828 members. Bell-Government Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Bell-Government Credit Union Routing Number: 301178026

Bell-Government Credit Union Savings Account Rates

Bell-Government Credit Union CD Rates

Data for Q4 2011

Institution Statistics BELL-GOVERNMENT NCUA # 67759 BankRate Report View Year Chartered 1951 Employees 3 Primary Regulator Assets and Liabilities Assets $5.55 million Loans $3.37 million Deposits $4.87 million Equity Capital $623,000 Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $26,000 Historic Data - December 2010 Assets $5.87 million Equity Capital $649,000 Loan Loss Allowance $196,000 Unbacked Noncurrent Loans $146,000 Profit Margin - Quarterly Net Interest Margin 6.51% Return on Assets -0.45% Return on Equity -4.01% Interest Income $288,000 Non-Interest Income $21,000

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-Government Credit Union had $26,000 in non-current loans and owned real-estate with $682,000 in equity and loan loss allowances on hand to cover it. This gives Bell-Government Credit Union a Texas Ratio of 3.81% 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-Government Credit Union decreased significantly from 17.28% as of December 31, 2010 to 3.81% as of December 31, 2011, resulting in a positive change of 77.94%.This indicates that the balance sheet and financial strength for Bell-Government Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Bell-Government Credit Union has decreased its total deposits by $-256,000, resulting in -5% 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-Government Credit Union 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-Government Credit Union has $5.55 million in assets with $682,000 in equity, resulting in a capitalization level of 12.28%, which is excellent.

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