Civic Intelligence

Bell Credit Union

990 • Fiscal year 2018 • EIN 48-0572498

Jan 01, 2018 to Dec 31, 2018 • Filed on Mar 15, 2019

Organization Profilewww.bellcu.com
1601 N LorraineHutchinson, KS 67501

(620) 662-0731

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$12,694,269

Flat from 2018

Net Assets

Flat

$1,708,551

Flat from 2018

Liabilities

Flat

$10,985,718

Flat from 2018

Revenue And Expenses

Revenue

Flat

$802,936

Flat from 2018

Expenses

Flat

$742,393

Flat from 2018

Net Income

Flat

$60,543

Flat from 2018

Historical Trend

Balance Sheet Trend

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 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

2018

Assets$12,694,269
Liabilities$10,985,718
Net Assets$1,708,551
Open 2018 Filing

Operations Trend

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 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

2018

Revenue$802,936
Expenses$742,393
Net Income$60,543
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 15, 2019
Return Version
2018v3.0
Gross Receipts
$802,936
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$9,278,076$10,569,488▲ $1,291,412
Rtn Earn Endowment Incm Other Fnds$1,648,008$1,708,551▲ $60,543
Savings and Temporary Cash Investments$2,536,567$1,705,061▼ $831,506
Land, Buildings, and Equipment, Net$130,076$117,516▼ $12,560
Cash and Non-Interest-Bearing Accounts$66,777$77,057▲ $10,280
Prepaid Expenses and Deferred Charges$15,152$27,294▲ $12,142
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Loans From Officers Directors-$0-
Total Assets$12,171,615$12,694,269▲ $522,654
Other Assets Total$144,967$197,853▲ $52,886
Liabilities
Other Liabilities$10,326,678$10,865,589▲ $538,911
Accounts Payable and Accrued Expenses$89,707$120,129▲ $30,422
Mortgage Notes Payable Secured by Investment Property$107,222$0▼ $107,222
Grants Payable-$0-
Unsecured Notes Loans Payable-$0-
Deferred Revenue-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$10,523,607$10,985,718▲ $462,111
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,648,008$1,708,551▲ $60,543
Total Liabilities and Net Assets / Fund Balance$12,171,615$12,694,269▲ $522,654

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$69,987$209,148$0
Other Land Buildings$0$0$0
Land$45,580-$0
Equipment$1,949$78,683$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sharon ThornhillVice PresidentFT$42,119$14,815$56,934
Crystal MillerPresidentFT$50,027$1,702$51,729

Board Members and Trustees

NameTitle
Faye SummervillChairman
Rex NelsonVice Chairman
Brian AdamsDirector
Cheryl BrownDirector
Linda CorwinDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$763,315
Investment Income
$39,621
Other Revenue
$0
Change in Net Assets
$60,543
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$543,152
Salaries, Compensation, and Employee Benefits$199,241
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$149,007
Current Officers, Directors, Trustees, and Key Employees---$108,663
Other Salaries and Wages---$72,703
Information Technology---$50,215
Occupancy---$30,381
Advertising---$22,358
Depreciation Depletion---$15,025
Insurance---$14,764
Payroll Taxes---$12,611
Other Expenses---$9,056
Fees for Services Accounting---$6,724
Other Employee Benefits---$4,451
Interest---$2,395
Conferences and Meetings---$1,977
Travel---$1,927
Fees for Services Legal---$1,058
Pension Plan Contributions---$813
Total Functional Expenses$0$0$0$742,393
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-
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Certificates$10,865,589
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 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 Bell Credit Union Board of Directors is elected 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 credit union's by-laws, are subject to approval by the members of the credit union. No such changes were made in 2018.”

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

“The return is reviewed at a regular Board of Directors meeting.”

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, 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 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 Board 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 addition, the NCUA website posts financial information from quarterly call reports. 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
2019-03-15

Organization Details

Principal Officer
Crystal Miller
Formed
1938
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
11
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IRS990/PYProgramServiceRevenueAmt0639403
IRS990/PYRevenuesLessExpensesAmt070843
IRS990/PYSalariesCompEmpBnftPaidAmt0184430
IRS990/PYTotalExpensesAmt0611830
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0682673
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt060543
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/BOYAmt01648008
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01708551
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02536567
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01705061
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt069987
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0209148
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0279135
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01949
IRS990ScheduleD/EquipmentGrp/DepreciationAmt078683
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt080632
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
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/Amt010865589
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares and Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0117516
IRS990ScheduleD/TotalLiabilityAmt010865589
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Bell Credit Union is mutually owned by the members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Bell Credit Union Board of Directors is elected by the members of the credit union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Significant changes, such as a merger or changes to the credit union's by-laws, are subject to approval by the members of the credit union. No such changes were made in 2018.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The return is reviewed at a regular Board of Directors meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4On an 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 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 Board 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 addition, the NCUA website posts financial information from quarterly call reports. 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
IRS990/StatesWhereCopyOfReturnIsFldCd0KS
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012171615
IRS990/TotalAssetsEOYAmt012694269
IRS990/TotalAssetsGrp/BOYAmt012171615
IRS990/TotalAssetsGrp/EOYAmt012694269
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0742393
IRS990/TotalGrossUBIAmt0875
IRS990/TotalLiabilitiesBOYAmt010523607
IRS990/TotalLiabilitiesEOYAmt010985718
IRS990/TotalLiabilitiesGrp/BOYAmt010523607
IRS990/TotalLiabilitiesGrp/EOYAmt010985718
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01648008
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01708551
IRS990/TotalOtherCompensationAmt016517
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0763315
IRS990/TotalReportableCompFromOrgAmt092146
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0802061
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0802936
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0875
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012171615
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012694269
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01927
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01601 North Lorraine Street
IRS990/USAddress/CityNm0Hutchinson
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067501
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.bellcu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Crystal Miller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum06206620731
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-03-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BELL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BELL
ReturnHeader/Filer/EIN0480572498
ReturnHeader/Filer/PhoneNum06206620731

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,694,269
Liabilities
$10,985,718
Net assets
$1,708,551
Revenue
$802,936
Expenses
$742,393
Net income
$60,543
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
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