Civic Intelligence

Bell Credit Union

990 • Fiscal year 2013 • EIN 48-0572498

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 13, 2014

Organization ProfileWWW.BELLCU.COM
1601 North LorraineHutchinson, KS 67501

(620) 622-0731

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

41st percentile

0.86x

Higher debt load relative to assets than 41% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

43rd percentile

18.37x

Higher debt load relative to revenue than 43% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

63rd percentile

7.3%

Higher net margin than 63% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

30th percentile

$55,211

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 10.7% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

94th percentile

9.5%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$11,043,189

Up $961,758 (+9.5%) from 2012

Net Assets

Up

$1,534,687

Up $37,534 (+2.5%) from 2012

Liabilities

Up

$9,508,502

Up $924,224 (+11%) from 2012

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin63rd percentile

Revenue

$517,531

No earlier filing loaded for comparison.

Expenses

Down

$479,997

Down $19,124 (-3.8%) from 2012

Net Income

$37,534

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2013

Assets$11,043,189
Liabilities$9,508,502
Net Assets$1,534,687
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$517,531
Expenses$479,997
Net Income$37,534
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 13, 2014
Return Version
2013v3.0
Gross Receipts
$517,531
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$6,387,201$6,411,395▲ $24,194
Savings and Temporary Cash Investments$3,132,358$3,755,733▲ $623,375
Rtn Earn Endowment Incm Other Fnds$1,497,153$1,534,687▲ $37,534
Investments Other Securities$200,428$500,000▲ $299,572
Land, Buildings, and Equipment, Net$173,456$176,395▲ $2,939
Cash and Non-Interest-Bearing Accounts$67,584$63,685▼ $3,899
Prepaid Expenses and Deferred Charges$14,747$20,831▲ $6,084
Accounts Receivable$824$1,443▲ $619
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,081,431$11,043,189▲ $961,758
Other Assets Total$104,833$113,707▲ $8,874
Liabilities
Other Liabilities$8,523,325$9,346,916▲ $823,591
Mortgage Notes Payable Secured by Investment Property-$133,977-
Accounts Payable and Accrued Expenses$60,953$27,609▼ $33,344
Total Liabilities$8,584,278$9,508,502▲ $924,224
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,497,153$1,534,687▲ $37,534
Total Liabilities and Net Assets / Fund Balance$10,081,431$11,043,189▲ $961,758

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$110,594$157,421$268,015
Equipment$20,221$54,002$74,223
Land$45,580-$45,580
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Claudine CorkinsPresidentFT$51,035$4,176$55,211
Sharon ThornhillVice PresidentFT$34,861$13,165$48,026

Board Members and Trustees

NameTitle
Faye SummervillChairman
Rex NelsonVice Chairman
Cheryl BrownDirector
Terry BetherDirector
Kristine SeckSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$486,398
Investment Income
$28,641
Other Revenue
$2,492
Change in Net Assets
$37,534
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$301,928
Salaries, Compensation, and Employee Benefits$176,893
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$103,237
Office Expenses---$101,305
Other Salaries and Wages---$53,161
Fees for Services Other---$33,266
Occupancy---$28,749
Advertising---$17,905
Depreciation Depletion---$16,669
Insurance---$14,273
Payroll Taxes---$11,697
Fees for Services Accounting---$11,154
All Other Expenses---$8,960
Other Employee Benefits---$7,914
Conferences and Meetings---$3,466
Travel---$1,670
Benefits to Members---$1,176
Pension Plan Contributions---$884
Interest---$159
Other Expenses---$-6,000
Total Functional Expenses$0$0$0$479,997
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$9,346,916
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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
No
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

“The credit union is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Significant changes such as mergers and changes to bylaws are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, Line 11

“The form 990 is prepared by an outside accounting firm based on data provided by the credit union and is reviewed by the president before filing.”

Form 990, Part VI, Section B, Line 12

“On annual basis, all officers, directors, and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to potential conflicts, and submit a signed statement to that effect.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews and approves all compensation, including the president's, as part of the budget review process. Deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are also available upon request.”

Filing and Contact Details

Filer

EIN
48-0572498
Phone
6206220731

Signing Officer

Name
Claudine Corkins
Title
President
Phone
6206620731
Signed
2014-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Claudine Corkins
Formed
1938
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
11

Preparer

Phone
9138946214
Raw XML Appendix339 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 1,055 LOANS OUTSTANDING TOTALING $6,479,122.
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IRS990ScheduleD/LandGrp/BookValueAmt045580
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt045580
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09346916
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0176395
IRS990ScheduleD/TotalLiabilityAmt09346916
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM BASED ON DATA PROVIDED BY THE CREDIT UNION AND IS REVIEWED BY THE PRESIDENT BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON ANNUAL BASIS, ALL OFFICERS, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO POTENTIAL CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE PRESIDENT'S, AS PART OF THE BUDGET REVIEW PROCESS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE ALSO 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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12
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
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010081431
IRS990/TotalAssetsEOYAmt011043189
IRS990/TotalAssetsGrp/BOYAmt010081431
IRS990/TotalAssetsGrp/EOYAmt011043189
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0479997
IRS990/TotalGrossUBIAmt0100
IRS990/TotalLiabilitiesBOYAmt08584278
IRS990/TotalLiabilitiesEOYAmt09508502
IRS990/TotalLiabilitiesGrp/BOYAmt08584278
IRS990/TotalLiabilitiesGrp/EOYAmt09508502
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01497153
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01534687
IRS990/TotalOtherCompensationAmt017341
IRS990/TotalProgramServiceRevenueAmt0486398
IRS990/TotalReportableCompFromOrgAmt085896
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0517431
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0517531
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0100
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010081431
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011043189
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01670
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101601 NORTH LORRAINE
IRS990/USAddress/City0HUTCHINSON
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode067501
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.BELLCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CLAUDINE CORKINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06206620731
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10BELL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BELL
ReturnHeader/Filer/EIN0480572498
ReturnHeader/Filer/PhoneNum06206220731
ReturnHeader/Filer/USAddress/AddressLine101601 NORTH LORRAINE
ReturnHeader/Filer/USAddress/City0HUTCHINSON
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode067501
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-11-13T10:54:45-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,043,189
Liabilities
$9,508,502
Net assets
$1,534,687
Revenue
$517,531
Expenses
$479,997
Net income
$37,534
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