Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
80th percentile
Higher debt load relative to assets than 80% of similar nonprofits.
Liabilities / Revenue
33rd percentile
Higher debt load relative to revenue than 33% of similar nonprofits.
Net Margin
33rd percentile
Higher net margin than 33% of similar nonprofits.
Top Officer Pay
29th percentile
Higher top officer pay than 29% of similar nonprofits.
Top officer pay equals 4.6% of source-year revenue.
Asset Growth
94th percentile
Faster asset growth than 94% of similar nonprofits.
Revenue Growth
60th percentile
Faster revenue growth than 60% of similar nonprofits.
Assets
Up$23,384,115
Up $1,960,203 (+9.1%) from 2022
Net Assets
Up$2,220,643
Up $80,542 (+3.8%) from 2022
Liabilities
Up$21,163,472
Up $1,879,661 (+9.7%) from 2022
Revenue
Up$1,431,718
Up $306,406 (+27%) from 2022
Expenses
Up$1,351,176
Up $441,724 (+49%) from 2022
Net Income
Down$80,542
Down $135,318 (-63%) from 2022
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 | $16,986,091 | $17,774,046 | ▲ $787,955 |
| Savings and Temporary Cash Investments | $3,964,277 | $5,126,803 | ▲ $1,162,526 |
| Rtn Earn Endowment Incm Other Fnds | $2,140,101 | $2,220,643 | ▲ $80,542 |
| Land, Buildings, and Equipment, Net | $121,024 | $106,920 | ▼ $14,104 |
| Cash and Non-Interest-Bearing Accounts | $87,653 | $77,428 | ▼ $10,225 |
| Prepaid Expenses and Deferred Charges | $12,791 | $26,825 | ▲ $14,034 |
| Accounts Receivable | $16,599 | $16,360 | ▼ $239 |
| 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 | - |
| Total Assets | $21,423,912 | $23,384,115 | ▲ $1,960,203 |
| Other Assets Total | $235,477 | $255,733 | ▲ $20,256 |
| Liabilities | |||
| Other Liabilities | $19,138,427 | $20,994,334 | ▲ $1,855,907 |
| Accounts Payable and Accrued Expenses | $145,384 | $169,138 | ▲ $23,754 |
| Grants Payable | - | $0 | - |
| Mortgage Notes Payable Secured by Investment Property | - | $0 | - |
| Unsecured Notes Loans Payable | - | $0 | - |
| Deferred Revenue | - | $0 | - |
| Escrow Account Liability | - | $0 | - |
| Tax Exempt Bond Liabilities | - | $0 | - |
| Total Liabilities | $19,283,811 | $21,163,472 | ▲ $1,879,661 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,140,101 | $2,220,643 | ▲ $80,542 |
| Total Liabilities and Net Assets / Fund Balance | $21,423,912 | $23,384,115 | ▲ $1,960,203 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $61,340 | $266,807 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $45,580 | - | $0 |
| Equipment | $0 | $91,595 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Sharon Thornhill | Vice President | FT | $49,729 | $16,184 | $65,913 |
| Crystal Miller | President | FT | $63,240 | $2,217 | $65,457 |
| Linda Corwin | Director | - | $30 | - | $30 |
| Name | Title |
|---|---|
| Faye Summervill | Chairman |
| Claudine Corkins | Director |
| Lena Kisner | Director |
| Matt Sloan | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $999,281 |
| Salaries, Compensation, and Employee Benefits | $351,895 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $219,235 |
| Other Salaries and Wages | - | - | - | $154,260 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $131,400 |
| Information Technology | - | - | - | $65,548 |
| Other Employee Benefits | - | - | - | $42,090 |
| Advertising | - | - | - | $41,089 |
| Occupancy | - | - | - | $24,113 |
| Payroll Taxes | - | - | - | $20,401 |
| Insurance | - | - | - | $18,423 |
| Depreciation Depletion | - | - | - | $14,104 |
| Other Expenses | - | - | - | $7,477 |
| Fees for Services Accounting | - | - | - | $7,277 |
| Interest | - | - | - | $6,637 |
| Fees for Services Legal | - | - | - | $3,787 |
| Pension Plan Contributions | - | - | - | $3,744 |
| Conferences and Meetings | - | - | - | $3,594 |
| Travel | - | - | - | $541 |
| Total Functional Expenses | $0 | $0 | $0 | $1,351,176 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | - | $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 | $20,993,621 |
“Bell Credit Union is mutually owned by the members of the credit union.”
“The Board of Directors of Bell Credit Union are elected from the membership of the credit union by the members of the credit union.”
“Significant changes, such as a merger or changes to the Bell Credit Union by-laws are subject to approval by the members of the credit union. No such changes were made in 2023.”
“The 990 return is reviewed at a regular meeting of the Bell Credit Union 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 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.”
“Financial statements are posted in the credit union lobby, and are presented at the annual membership meeting. They are also availalbe upon request. In addition, 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.”
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 | 145384 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 169138 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 16599 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 16360 |
| 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 | 41089 |
| 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 | 87653 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 77428 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 131400 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3594 |
| 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 | 60518 |
| IRS990/CYOtherExpensesAmt | 0 | 999281 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1371200 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 80542 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 351895 |
| IRS990/CYTotalExpensesAmt | 0 | 1351176 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1431718 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 14104 |
| IRS990/Desc | 0 | Provides financial and financially related services to 2,067 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/EOYAmt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 7277 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 3787 |
| 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 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| 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 | 16184 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 2217 |
| 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 | Lena Kisner |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Matt Sloan |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Claudine Corkins |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 49729 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 63240 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 30 |
| 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 | Director |
| 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/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 | 1431718 |
| 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 | 65548 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 18423 |
| IRS990/InterestGrp/TotalAmt | 0 | 6637 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 60518 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 60518 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 382 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 358402 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 121024 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 106920 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 465322 |
| IRS990/LegalDomicileStateCd | 0 | KS |
| IRS990/LoanOutstandingInd | 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/EOYAmt | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2140101 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2220643 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 500 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 24113 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 219235 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 235477 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 255733 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 42090 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Member Dividends |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Association Dues |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 115000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 427353 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 45103 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 7477 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 19138427 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 20994334 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 154260 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16986091 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 17774046 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 20401 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 3744 |
| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 12791 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 26825 |
| 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 | 1178753 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 191947 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1178753 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 191947 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 500 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 500 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2023, there were 2,089 loans outstanding totaling $17,967,885. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Bell Credit Union paid dividends on member deposits totaling $427,353 for the year. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 45921 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 622925 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1079391 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 215860 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 286527 |
| IRS990/PYTotalExpensesAmt | 0 | 909452 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1125312 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 80542 |
| 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 | 2140101 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2220643 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3964277 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5126803 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 61340 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 266807 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 328147 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 91595 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 91595 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 713 |
| 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 | 20993621 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Shares and Certificates |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 106920 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 20994334 |
| 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 Board of Directors of Bell Credit Union are 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 the Bell Credit Union by-laws are subject to approval by the members of the credit union. No such changes were made in 2023. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The 990 return is reviewed at a regular meeting of the Bell Credit Union 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 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/ExplanationTxt | 6 | Financial statements are posted in the credit union lobby, and are presented at the annual membership meeting. They are also availalbe upon request. In addition, 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/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/EOYAmt | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 21423912 |
| IRS990/TotalAssetsEOYAmt | 0 | 23384115 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 21423912 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 23384115 |
| 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 | 1351176 |
| IRS990/TotalGrossUBIAmt | 0 | 500 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 19283811 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 21163472 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 19283811 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 21163472 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2140101 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2220643 |
| IRS990/TotalOtherCompensationAmt | 0 | 18401 |
| 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 | 1371200 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 112999 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1431218 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1431718 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 500 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 21423912 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 23384115 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 541 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1601 North Lorraine |
| IRS990/USAddress/CityNm | 0 | Hutchinson |
| IRS990/USAddress/StateAbbreviationCd | 0 | KS |
| IRS990/USAddress/ZIPCd | 0 | 67501 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | www.bellcu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL2 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd | 0 | 1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd | 0 | 11 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/ProfilePasswordChangeInd | 0 | X |
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Displayed year
2023 • Form 990Detailed filing. Detailed filing data is available for this year.