BlastPoint's Credit Union Scorecard
BELL
Charter #67263 · KS
BELL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.53% above tier average
- - Share Certificate Concentration (%): Bottom 4.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,106
+1.0% YoY-0.7% QoQ
|
-509 |
2,615
-1.9% YoY
|
12,209
-35.0% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$27.3M
+7.0% YoY+0.9% QoQ
|
$-2.9M |
$30.1M
+2.1% YoY
|
$164.3M
-37.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$18.1M
+3.5% YoY+0.3% QoQ
|
+$2.4M |
$15.8M
-1.3% YoY
|
$120.8M
-36.2% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$24.5M
+6.4% YoY+1.0% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$139.5M
-36.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.8%
+80.3% YoY-34.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+32.6% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.9%
+11.0% YoY-8.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.0%
+7.1% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
69.9%
-9.2% YoY+10.1% QoQ
|
-12.6% |
82.6%
-2.3% YoY
|
78.8%
-6.8% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
3.1%
+9.1% YoY+73.9% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.5%
-6.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.5% in tier |
| Loan To Share |
73.9%
-2.7% YoY-0.7% QoQ
|
+13.3% |
60.6%
-3.1% YoY
|
71.6%
-2.2% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$20,263
+4.1% YoY+1.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,403
+0.2% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
47.2%
-0.6% YoY-3.6% QoQ
|
+22.8% | 24.4% | 24.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)