Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Liabilities / Revenue
25th percentile
Higher debt load relative to revenue than 25% of similar nonprofits.
Net Margin
60th percentile
Higher net margin than 60% of similar nonprofits.
Top Officer Pay
36th percentile
Higher top officer pay than 36% of similar nonprofits.
Top officer pay equals 6.3% of source-year revenue.
Asset Growth
94th percentile
Faster asset growth than 94% of similar nonprofits.
Revenue Growth
96th percentile
Faster revenue growth than 96% of similar nonprofits.
Assets
Up$18,184,451
Up $3,656,318 (+25%) from 2019
Net Assets
Up$1,887,913
Up $92,037 (+5.1%) from 2019
Liabilities
Up$16,296,538
Up $3,564,281 (+28%) from 2019
Revenue
Up$999,254
Up $81,795 (+8.9%) from 2019
Expenses
Up$907,217
Up $77,083 (+9.3%) from 2019
Net Income
Up$92,037
Up $4,712 (+5.4%) from 2019
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $12,802,626 | $13,881,706 | ▲ $1,079,080 |
| Savings and Temporary Cash Investments | $1,338,849 | $3,884,892 | ▲ $2,546,043 |
| Rtn Earn Endowment Incm Other Fnds | $1,795,876 | $1,887,913 | ▲ $92,037 |
| Land, Buildings, and Equipment, Net | $116,718 | $127,126 | ▲ $10,408 |
| Cash and Non-Interest-Bearing Accounts | $96,084 | $84,964 | ▼ $11,120 |
| Prepaid Expenses and Deferred Charges | $10,872 | $14,890 | ▲ $4,018 |
| Accounts Receivable | $10,571 | $11,007 | ▲ $436 |
| Pledges and Grants Receivable | $0 | $0 | → $0 |
| Receivable From Disqualified Prsn | $0 | $0 | → $0 |
| Receivables From Officers Etc | $0 | $0 | → $0 |
| Investments Other Securities | $0 | $0 | → $0 |
| Investments Program Related | $0 | $0 | → $0 |
| Investments in Publicly Traded Securities | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | $0 | → $0 |
| Total Assets | $14,528,133 | $18,184,451 | ▲ $3,656,318 |
| Other Assets Total | $152,413 | $179,866 | ▲ $27,453 |
| Liabilities | |||
| Other Liabilities | $12,462,956 | $16,268,574 | ▲ $3,805,618 |
| Accounts Payable and Accrued Expenses | $269,301 | $27,964 | ▼ $241,337 |
| 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 | $12,732,257 | $16,296,538 | ▲ $3,564,281 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,795,876 | $1,887,913 | ▲ $92,037 |
| Total Liabilities and Net Assets / Fund Balance | $14,528,133 | $18,184,451 | ▲ $3,656,318 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $73,847 | $229,619 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $45,580 | - | $0 |
| Equipment | $7,699 | $83,896 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Sharon Thornhill | Vice President | FT | $49,331 | $13,706 | $63,037 |
| Crystal Miller | President | FT | $58,592 | $1,964 | $60,556 |
| Linda Corwin | Director | - | $1,092 | - | $1,092 |
| Name | Title |
|---|---|
| Faye Summervill | Chairman |
| Rex Nelson | Vice Chairman |
| Bob Hiatt | Director |
| Brian Adams | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $658,881 |
| Salaries, Compensation, and Employee Benefits | $248,336 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $158,716 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $124,685 |
| Other Salaries and Wages | - | - | - | $93,228 |
| Information Technology | - | - | - | $55,889 |
| Advertising | - | - | - | $30,217 |
| Occupancy | - | - | - | $24,686 |
| Insurance | - | - | - | $16,593 |
| Payroll Taxes | - | - | - | $15,472 |
| Depreciation Depletion | - | - | - | $13,923 |
| Other Employee Benefits | - | - | - | $12,330 |
| Other Expenses | - | - | - | $9,615 |
| Fees for Services Accounting | - | - | - | $9,278 |
| Pension Plan Contributions | - | - | - | $2,621 |
| Interest | - | - | - | $1,494 |
| Conferences and Meetings | - | - | - | $1,251 |
| Fees for Services Legal | - | - | - | $776 |
| Total Functional Expenses | $0 | $0 | $0 | $907,217 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| 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 |
| Liability | Amount |
|---|---|
| Member Shares and Certificates | $16,266,261 |
“Bell Credit Union is mutually owned by the members of the credit union.”
“The Bell Credit Union Board of Directors is elected from the membership of the credit union by the members of the credit union.”
“Significant changes, such as a merger or changes to Bell Credit Union's Bylaws, are subject to approval by the members of the credit union. No such changes were made in 2020.”
“The 990 return is reviewed at a regular meeting of the Board of Directors.”
“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.”
“Bell Credit Union's 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.”
“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 post financial information from quarterly call reports. Other documents, policies and procedures are available upon request.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 269301 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 27964 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 10571 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 11007 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 30217 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 0 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 0 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Crystal Miller |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6206620731 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1601 N Lorraine |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Hutchinson |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | KS |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 67501 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 96084 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 84964 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 124685 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1251 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 37080 |
| IRS990/CYOtherExpensesAmt | 0 | 658881 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 962174 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 92037 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 248336 |
| IRS990/CYTotalExpensesAmt | 0 | 907217 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 999254 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 13923 |
| IRS990/Desc | 0 | Provides financial and financially related services to 1,830 members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 9278 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 776 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 42 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 45 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 13706 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 1964 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Sharon Thornhill |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Crystal Miller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Linda Corwin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Faye Summervill |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Rex Nelson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Brian Adams |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Bob Hiatt |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 49331 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 58592 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 1092 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Vice President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | President |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1938 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 999254 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 55889 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 16593 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 0 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 0 |
| IRS990/InterestGrp/TotalAmt | 0 | 1494 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 37080 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 37080 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 303 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 313515 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 116718 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 127126 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 440641 |
| IRS990/LegalDomicileStateCd | 0 | KS |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/EOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1795876 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1887913 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 24686 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 158716 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 152413 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 179866 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 12330 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/Desc | 1 | Member Dividends |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Association Dues |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 105000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 190004 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 41439 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 9615 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 12462956 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16268574 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 93228 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 12802626 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 13881706 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 15472 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 2621 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 10872 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 14890 |
| IRS990/PrincipalOfficerNm | 0 | Crystal Miller |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees and Other Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Warranty Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 797630 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 164169 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 797630 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 164169 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 375 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 375 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2020, there were 1,808 loans outstanding totaling $13,973,259. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Bell Credit Union paid dividends on member deposits totaling $190,004 for the year. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 31708 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 605388 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 885751 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 87325 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 224746 |
| IRS990/PYTotalExpensesAmt | 0 | 830134 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 917459 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 92037 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1795876 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1887913 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1338849 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3884892 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 73847 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 229619 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 303466 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 7699 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 83896 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 91595 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 2313 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 45580 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 45580 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 16266261 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares and Certificates |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 127126 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 16268574 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Bell Credit Union is mutually owned by the members of the credit union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The Bell Credit Union Board of Directors is elected from the membership of the credit union by the members of the credit union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Significant changes, such as a merger or changes to Bell Credit Union's Bylaws, are subject to approval by the members of the credit union. No such changes were made in 2020. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The 990 return is reviewed at a regular meeting of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Bell Credit Union's 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/ExplanationTxt | 6 | 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 post financial information from quarterly call reports. Other documents, policies and procedures are available upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | KS |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt | 0 | 0 |
| IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 14528133 |
| IRS990/TotalAssetsEOYAmt | 0 | 18184451 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 14528133 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 18184451 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 907217 |
| IRS990/TotalGrossUBIAmt | 0 | 375 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12732257 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16296538 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12732257 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16296538 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1795876 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1887913 |
| IRS990/TotalOtherCompensationAmt | 0 | 15670 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 962174 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 109015 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 998879 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 999254 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 375 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 14528133 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 18184451 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
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Displayed year
2020 • Form 990Detailed filing. Detailed filing data is available for this year.