Civic Intelligence

Bell Credit Union

EIN 48-0572498 • 501(c)14 • Hutchinson, KS

Profile

It is our vision to exceed all expectations and be totally committed to the service of our members and the financial soundness of our credit union.

1601 N LorraineHutchinson, KS 67501

www.bellcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

45th percentile

17.14x

Higher debt load relative to revenue than 45% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

78th percentile

19%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

12%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

61st percentile

11%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$25,469,868

Up $2,085,753 (+8.9%) from 2023

Liabilities

Up

$23,140,415

Up $1,976,943 (+9.3%) from 2023

Net Assets

Up

$2,329,453

Up $108,810 (+4.9%) from 2023

Operations
Liabilities / Revenue45th percentileNet Margin78th percentile

Revenue

Up

$1,707,999

Up $276,281 (+19%) from 2023

Expenses

Up

$1,599,189

Up $248,013 (+18%) from 2023

Net Income

Up

$108,810

Up $28,268 (+35%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $9,621,573Liabilities 2010: $8,110,800Net Assets 2010: $1,510,7732010Assets 2011: $9,328,748Liabilities 2011: $7,857,450Net Assets 2011: $1,471,2982011Assets 2012: $10,081,431Liabilities 2012: $8,584,278Net Assets 2012: $1,497,1532012Assets 2013: $11,043,189Liabilities 2013: $9,508,502Net Assets 2013: $1,534,6872013Assets 2014: $11,346,910Liabilities 2014: $9,806,347Net Assets 2014: $1,540,5632014Assets 2015: $11,690,884Liabilities 2015: $10,155,416Net Assets 2015: $1,535,4682015Assets 2016: $11,438,689Liabilities 2016: $9,861,524Net Assets 2016: $1,577,1652016Assets 2017: $12,171,615Liabilities 2017: $10,523,607Net Assets 2017: $1,648,0082017Assets 2018: $12,694,269Liabilities 2018: $10,985,718Net Assets 2018: $1,708,5512018Assets 2019: $14,528,133Liabilities 2019: $12,732,257Net Assets 2019: $1,795,8762019Assets 2020: $18,184,451Liabilities 2020: $16,296,538Net Assets 2020: $1,887,9132020Assets 2021: $19,100,384Liabilities 2021: $17,176,143Net Assets 2021: $1,924,2412021Assets 2022: $21,423,912Liabilities 2022: $19,283,811Net Assets 2022: $2,140,1012022Assets 2023: $23,384,115Liabilities 2023: $21,163,472Net Assets 2023: $2,220,6432023Assets 2024: $25,469,868Liabilities 2024: $23,140,415Net Assets 2024: $2,329,4532024

Highlighted filing

2024

Assets$25,469,868
Liabilities$23,140,415
Net Assets$2,329,453
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $569,3312010Expenses 2011: $589,1232011Expenses 2012: $499,1212012Revenue 2013: $517,531Expenses 2013: $479,997Net Income 2013: $37,5342013Revenue 2014: $508,010Expenses 2014: $502,134Net Income 2014: $5,8762014Revenue 2015: $512,671Expenses 2015: $517,766Net Income 2015: -$5,0952015Revenue 2016: $580,776Expenses 2016: $539,079Net Income 2016: $41,6972016Revenue 2017: $682,673Expenses 2017: $611,830Net Income 2017: $70,8432017Revenue 2018: $802,936Expenses 2018: $742,393Net Income 2018: $60,5432018Revenue 2019: $917,459Expenses 2019: $830,134Net Income 2019: $87,3252019Revenue 2020: $999,254Expenses 2020: $907,217Net Income 2020: $92,0372020Revenue 2021: $1,011,663Expenses 2021: $975,335Net Income 2021: $36,3282021Revenue 2022: $1,125,312Expenses 2022: $909,452Net Income 2022: $215,8602022Revenue 2023: $1,431,718Expenses 2023: $1,351,176Net Income 2023: $80,5422023Revenue 2024: $1,707,999Expenses 2024: $1,599,189Net Income 2024: $108,8102024

Highlighted filing

2024

Revenue$1,707,999
Expenses$1,599,189
Net Income$108,810
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,469,868
Liabilities
$23,140,415
Net assets
$2,329,453
Revenue
$1,707,999
Expenses
$1,599,189
Net income
$108,810
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$25.5$23.1$2.33$1.71$1.60$0.11
2023Detailed filing. Detailed filing data is available for this year.$23.4$21.2$2.22$1.43$1.35$0.08
2022Detailed filing. Detailed filing data is available for this year.$21.4$19.3$2.14$1.13$0.91$0.22
2021Detailed filing. Detailed filing data is available for this year.$19.1$17.2$1.92$1.01$0.98$0.04
2020Detailed filing. Detailed filing data is available for this year.$18.2$16.3$1.89$1.00$0.91$0.09
2019Detailed filing. Detailed filing data is available for this year.$14.5$12.7$1.80$0.92$0.83$0.09
2018Detailed filing. Detailed filing data is available for this year.$12.7$11.0$1.71$0.80$0.74$0.06
2017Detailed filing. Detailed filing data is available for this year.$12.2$10.5$1.65$0.68$0.61$0.07
2016Detailed filing. Detailed filing data is available for this year.$11.4$9.86$1.58$0.58$0.54$0.04
2015Detailed filing. Detailed filing data is available for this year.$11.7$10.2$1.54$0.51$0.52$0.01
2014Detailed filing. Detailed filing data is available for this year.$11.3$9.81$1.54$0.51$0.50$0.01
2013Detailed filing. Detailed filing data is available for this year.$11.0$9.51$1.53$0.52$0.48$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$8.58$1.50$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.33$7.86$1.47$0.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.62$8.11$1.51$0.57
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 22, 2025
Return Version
2024v5.0
Gross Receipts
$1,707,999
Mission and Program Overview

Mission

It is our vision to exceed all expectations and be totally committed to the service of our members and the financial soundness of our credit union.

It is our vision to exceed all expectations and be totally committed to the service of our members and the financial soundness of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,774,046$17,307,952▼ $466,094
Savings and Temporary Cash Investments$5,126,803$7,619,874▲ $2,493,071
Rtn Earn Endowment Incm Other Fnds$2,220,643$2,329,453▲ $108,810
Cash and Non-Interest-Bearing Accounts$77,428$100,715▲ $23,287
Land, Buildings, and Equipment, Net$106,920$95,465▼ $11,455
Accounts Receivable$16,360$36,253▲ $19,893
Prepaid Expenses and Deferred Charges$26,825$25,637▼ $1,188
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$23,384,115$25,469,868▲ $2,085,753
Other Assets Total$255,733$283,972▲ $28,239
Liabilities
Other Liabilities$20,994,334$23,070,006▲ $2,075,672
Accounts Payable and Accrued Expenses$169,138$70,409▼ $98,729
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$21,163,472$23,140,415▲ $1,976,943
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,220,643$2,329,453▲ $108,810
Total Liabilities and Net Assets / Fund Balance$23,384,115$25,469,868▲ $2,085,753

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$49,885$278,262$0
Other Land Buildings$0$0$0
Land$45,580-$0
Equipment$0$91,595$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Crystal MillerPresidentFT$68,581$2,321$70,902
Sharon ThornhillVice PresidentFT$54,002$16,831$70,833

Board Members and Trustees

NameTitle
Faye SummervillChairman
Claudine CorkinsDirector
Lena KisnerDirector
Linda CorwinDirector
Matt SloanDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,501,095
Investment Income
$206,904
Other Revenue
$0
Change in Net Assets
$108,810
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,222,767
Salaries, Compensation, and Employee Benefits$376,422
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$170,768
Other Salaries and Wages---$158,338
Current Officers, Directors, Trustees, and Key Employees---$141,735
Information Technology---$92,498
Other Employee Benefits---$51,835
Advertising---$40,262
Occupancy---$22,179
Payroll Taxes---$20,265
Insurance---$20,150
Depreciation Depletion---$11,456
Fees for Services Accounting---$9,054
Other Expenses---$7,799
Fees for Services Legal---$5,404
Pension Plan Contributions---$4,249
Conferences and Meetings---$1,749
Travel---$405
Total Functional Expenses$0$0$0$1,599,189
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Certificates$23,069,629
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Bell Credit Union is mutually owned by the members of the credit union.”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors of Bell Credit Union is elected from the membership of the credit union by the members of the credit union.”

Form 990, Part VI, Section A, Line 7B

“Significant changes, such as a merger or changes to the Bell Credit Union By-laws are subjsct to approval by the members of the credit union. No such changes were made in 2024.”

Form 990, Part VI, Section B, Line 11B

“The 990 return is reviewed at a regular meeting of the Bell Credit Union Board of Directors.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis, all officers, directors and committee members are required to review the Conflict of Interest Policy and disclose any interests that could give rise to potential conflicts, and to subnit a signed statement to that effect.”

Form 990, Part VI, Section B, Line 15

“Bell Credit Union Board of Directors review and approve all compensation, including the President, as part of the annual budgetary process. Deliberations and decisions are reflected in the written minutes of the meeting.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby, and are presented at the annual membership meeting. They are also available upon request. In addtion, the NCUA website posts financial information from the quarterly call reports, and these are available to the public. Other documents, policies and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Bell Credit Union
EIN
48-0572498
Phone
6206620731
Address
1601 N Lorraine, Hutchinson, KS 67501

Signing Officer

Name
Crystal Miller
Title
President
Phone
6206620731
Signed
2025-04-22

Organization Details

Principal Officer
Crystal Miller
Formed
1938
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
6
Volunteers
11
Raw XML AppendixShowing 400 of 423 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0It is our vision to exceed all expectations and be totally committed to the service of our members and the financial soundness of our credit union.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt02220643
IRS990/NetAssetsOrFundBalancesEOYAmt02329453
IRS990/NetUnrelatedBusTxblIncmAmt0875
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt022179
IRS990/OfficeExpensesGrp/TotalAmt0170768
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0255733
IRS990/OtherAssetsTotalGrp/EOYAmt0283972
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt051835
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Member Dividends
IRS990/OtherExpensesGrp/Desc2Loan Servicing
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/TotalAmt0135000
IRS990/OtherExpensesGrp/TotalAmt1649579
IRS990/OtherExpensesGrp/TotalAmt256464
IRS990/OtherExpensesGrp/TotalAmt37799
IRS990/OtherLiabilitiesGrp/BOYAmt020994334
IRS990/OtherLiabilitiesGrp/EOYAmt023070006
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0158338
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt017774046
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt017307952
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt020265
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt04249
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt026825
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt025637
IRS990/PrincipalOfficerNm0Crystal Miller
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Other Income
IRS990/ProgramServiceRevenueGrp/Desc2Warranty Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01329266
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1170954
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01329266
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1170954
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2875
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2875
IRS990/ProgSrvcAccomActy2Grp/Desc0Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2024, there were 2,158 loans outstanding totaling $17,525,166.
IRS990/ProgSrvcAccomActy3Grp/Desc0Bell Credit Union paid dividends on member deposits totaling $649,579 for the year.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt060518
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0999281
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01371200
IRS990/PYRevenuesLessExpensesAmt080542
IRS990/PYSalariesCompEmpBnftPaidAmt0351895
IRS990/PYTotalExpensesAmt01351176
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01431718
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0108810
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02220643
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02329453
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05126803
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07619874
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt049885
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0278262
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0328147
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091595
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt091595
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt0377
IRS990ScheduleD/LandGrp/BookValueAmt045580
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt045580
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt023069629
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares and Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt095465
IRS990ScheduleD/TotalLiabilityAmt023070006
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Bell Credit Union is mutually owned by the members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors of Bell Credit Union is elected from the membership of the credit union by the members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Significant changes, such as a merger or changes to the Bell Credit Union By-laws are subjsct to approval by the members of the credit union. No such changes were made in 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 990 return is reviewed at a regular meeting of the Bell Credit Union Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4On an annual basis, all officers, directors and committee members are required to review the Conflict of Interest Policy and disclose any interests that could give rise to potential conflicts, and to subnit a signed statement to that effect.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bell Credit Union Board of Directors review and approve all compensation, including the President, as part of the annual budgetary process. Deliberations and decisions are reflected in the written minutes of the meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial statements are posted in the credit union lobby, and are presented at the annual membership meeting. They are also available upon request. In addtion, the NCUA website posts financial information from the quarterly call reports, and these are available to the public. Other documents, policies and procedures are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt023384115
IRS990/TotalAssetsEOYAmt025469868
IRS990/TotalAssetsGrp/BOYAmt023384115
IRS990/TotalAssetsGrp/EOYAmt025469868
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01599189
IRS990/TotalGrossUBIAmt0875
IRS990/TotalLiabilitiesBOYAmt021163472
IRS990/TotalLiabilitiesEOYAmt023140415
IRS990/TotalLiabilitiesGrp/BOYAmt021163472
IRS990/TotalLiabilitiesGrp/EOYAmt023140415
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02220643
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02329453
IRS990/TotalOtherCompensationAmt019152
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
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IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
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IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01501095
IRS990/TotalReportableCompFromOrgAmt0122583
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01707124
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01707999
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0875
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt023384115
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025469868
IRS990/TotReportableCompRltdOrgAmt00
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IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01601 N Lorraine
IRS990/USAddress/CityNm0Hutchinson
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067501

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