# BELL
HUTCHINSON, KS · NCUA charter 67263 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bell-67263

Who the members are: state charter, organized 1938, low-income designated. 2,114 members of 5,000 potential (42.3% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 101.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $28.5M |
| Members | 2,114 (1.3% YoY) |
| Full-time staff | 6 |
| Net worth | $2.6M |
| Net worth ratio | 9.0% (p10 of band) |
| ROA (annualized) | 0.46% (p44 of band) |
| Total delinquency | 2.64% (p84 of band) |
| Net charge-offs (annualized) | 1.04% (p86 of band) |
| Loans / shares | 70% (p68 of band) |
| Cash / assets | 35.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.93% (p52 of band) |
| Operating expense / assets | 2.98% (p31 of band) |
| Vehicles % of loans | 79% (p82 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 2.73% (p86 of band) |
| Vehicle NCO | 0.85% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 44% |
| Average share balance | $7,204 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 101% |
| Loans granted per 100 members, annualized | 39% |
| Average loan balance | $8,498 |
| Loans granted, annualized | $8.5M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 2 | delinquency 2x band | delinquency rising |
| 2018-03 | 4 | net worth falling, delinquency rising |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 | loans>95% of shares | delinquency rising |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 | leaning on borrowings | delinquency 2x band |
| 2019-12 | 3 | net worth falling | leaning on borrowings |
| 2020-03 | 4 | delinquency 2x band, delinquency rising | loans>95% of shares |
| 2020-06 | 4 | margin squeeze | delinquency rising |
| 2020-09 | 3 |  | delinquency 2x band |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | net worth falling, delinquency 2x band |  |
| 2022-06 | 3 | delinquency rising | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | net worth falling |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 2 |  | delinquency rising, net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | net worth falling |  |
| 2024-03 | 2 |  | delinquency 2x band |
| 2024-06 | 2 | delinquency 2x band | net worth falling |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 4 | net worth falling |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 2 |  | delinquency rising, net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-15 [Why Are Federal Regulators Trying To Take Away This Credit Union? - Next City](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdV9yeU1NUnFjU3VEb1hCYlJJMXJBektoVTZOUVppYXVCVzBCV05fbTJvUXNlTTdyMjBKc0tzWFZ6eWI4UkczUTh5SDRjMGpDREU2N0FEVEFhOHNXMmVxT1pYZkpuMTFkcC0xQ3BCOGluN2QtSXJuekdDbEItZnpsb3hDOXd1RGFoa3NvQVM0aTlsSG1uVGFYVjM0MnVIZWYt?oc=5) · Next City
- 2025-12-30 [5 trends that shaped the credit union industry in 2025 - americanbanker.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWjJLMGhpTEVaRERFakFVWVdaV1ZmeTIzLVZNajV5VDZINFpXaG04VDF2czF0dmZHR3ZqRlNXc09ydjlrN3BHU29tSXppWENtd2V3M2ZIWl9pRVBtWXVDaVpLcWFsbEtfRHZpQ0RqQ21LTmhuUWdFaEZRMEsxbmdVejdjVF9Hd1N1eFNQRFJnZGhpMEItNFE5VQ?oc=5) · americanbanker.com
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2026-06-15 [Closing Bell: Michigan State inks jersey patch agreement - Sports Business Journal](https://news.google.com/rss/articles/CBMid0FVX3lxTE9WWFFScHcyemNpM3RXZ19Ia2dsYzdmUkFrWFpYYnJlbzJQWUM4ekt4YmFydVdDaXNpQ0VXYUVmZzJMSE1Vc2ZsWVI0Sm83Sm5sVTl0Z0NBWHE0QnZEMms3RkRtVXMwUE93RnNqcmI1OXA5Y1NfZW9R?oc=5) · Sports Business Journal
- 2026-02-05 [Noon Lions Club to hold annual pancake and sausage feed - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5wbnlfZGJVNVJ3OVpVcUxFVmhxX3ZwZURZSlpxcE1Fd1daRWlzMFVicHY2bjR6bjB2WVFkMEJUVkxJQ1I1M2Q5UGFDOE42WHYwTWxVR3l3LXpxcDdpeWJBQmRQSU84RGpnUnI4T1hYZ1pqQQ?oc=5) · Hutch Post
- 2026-04-15 [Chiefs connection to shared surgeon adds twist to Chris Bell outlook - Arrowhead Addict](https://news.google.com/rss/articles/CBMirgFBVV95cUxNZTNybHU3dFY3QWFJVVJyaVlIWW9ocXgwNnR6VzBqaHVMUlVoV0JFajBVMEgxVE5qY05Na1pNS2lmamJGcmp0NGprVkhjMVNmVzVhTVlSX3BhZzJUMVRIN3dGM2VsOE1GSGRVeEp5S0lpTW5YOUVQYmU2eUd1S3h0aXhNamw3bG5hTjJlVmJKWWstQkJIZjMzRkUzVHdqRWJleFdrV2I4TDBQQ3NxeHc?oc=5) · Arrowhead Addict
- 2026-03-30 [Deep Purple Tap Kansas, Jefferson Starship for North American Tour - Exclaim!](https://news.google.com/rss/articles/CBMinwFBVV95cUxQQkg3b0xuckxlcUdxYlZsUEttMl8wWm04cTl4S19QSDJoeDJUZ01RUnBkYXQ5WmNucWZ5ejh2WHpuWkxUVl9KaTVYeWFEUGpCQ21Rd0RXb0N4VFktb0dxdWJkWXJtSzF1dnA2N2NqemQ2VFRQcE5lSURwa3I5cklUc3BnY3E1YTAxSEtPUDNSYTFkSVRuWVQyTnBjN1VNc0U?oc=5) · Exclaim!
- 2024-11-11 [Michigan credit union’s deal for Florida bank extends M&A record - Banking Dive](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPd1N5UVBkTW81S0lueGJfSFN4QTNYeHZKRE5jTzdHQ2JNSFVoWUtmbkdTQ2JvalBGa2lVT3ctVlc3U3gyT21MeWlxZTdCM2xDUElOQ0RHdXAyNzlDODM1TXRJaVJ3RDhtUnhqdi04MHhqOVlKUHJwMDlub1REX3dQdUVWSUU5TTl3OXFxTTE2QXlSMlAyLWdPb3dOU0xBdW1OU21jQ0xvQnNscWJhVXF3S0wtT1l4azE5czBSbTF0YW9RSzNGLVFSQTA5MjlPVWZoeWl2XzRrTzQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67263 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "67263", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67263
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide