BELL
Charter #67263 · HUTCHINSON, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.21% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.64% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.04% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 65.31% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 33rd — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | BELL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $28.51M | 57th pct | 49th pct |
| Members | 2,114 | 50th pct | 28th pct |
| Net worth ratio | 9.02% | 10th pct | 33th pct |
| Return on average assets | 0.47% | 40th pct | 43th pct |
| Net interest margin | 4.02% | 58th pct | 33th pct |
| Cost of funds | 2.21% | 93th pct | 90th pct |
| Loan-to-share | 70.35% | 70th pct | 49th pct |
| Delinquency 60+ days | 2.64% | 91th pct | 92th pct |
| Net charge-off ratio | 1.04% | 86th pct | 77th pct |
| Loan growth YoY | 0.46% | 74th pct | 72th pct |
| Share growth YoY | 6.31% | 82th pct | 70th pct |
| Efficiency ratio | 65.31% | 18th pct | 11th pct |
structural peer set hash: 568053f1c3a8677b4704344873322c67… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.