BlastPoint's Credit Union Scorecard
BELL
Charter #67263 · KS
BELL has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.28% 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 0.26% above tier average
- - Share Certificate Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,121
+1.6% YoY+0.9% QoQ
|
-504 |
2,625
-2.2% YoY
|
17,915
-2.9% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$27.0M
+6.6% YoY+0.3% QoQ
|
$-2.9M |
$29.9M
+1.1% YoY
|
$244.1M
-6.9% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$18.1M
+2.0% YoY+0.8% QoQ
|
+$2.3M |
$15.8M
-2.4% YoY
|
$175.9M
-4.8% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$24.3M
+6.8% YoY-0.3% QoQ
|
$-1.2M |
$25.5M
+0.4% YoY
|
$209.0M
-2.4% YoY
|
$464.6M
+9.3% YoY
|
59% |
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| ROA |
1.2%
+29.2% YoY+4.3% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.7%
+53.0% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.2%
+11.9% YoY+0.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.0%
+8.4% YoY
|
3.7%
+5.0% YoY
|
63% |
| Efficiency Ratio |
63.5%
-9.7% YoY-0.8% QoQ
|
-17.9% |
81.4%
-2.4% YoY
|
77.0%
-6.2% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
1.8%
-37.0% YoY-21.9% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.2%
-23.8% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
74.4%
-4.5% YoY+1.0% QoQ
|
+13.2% |
61.2%
-3.0% YoY
|
71.9%
-2.0% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$19,980
+3.0% YoY-0.7% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$16,347
+1.3% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
49.0%
-3.0% YoY+6.2% QoQ
|
+24.6% |
24.4%
+4.2% YoY
|
24.2%
-2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-5.6% YoY
|
7.9%
-2.9% YoY
|
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)