PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bell

Hutchinson, KS · Charter 67263

NCUA · 4 branches

Q2 2026

$28.4MAssets
$18.3MLoans
$25.7MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, down 15 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 2.92% of loans (+65 bps YoY).
  • Capital: net worth / assets of 9.43%, up 22 bps from a year ago.
  • Funding: loans stand at 71.14% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.10%-4 bps YoY

Efficiency Ratio (YTD, annualized)

62.63%-135 bps YoY

Net Worth / Assets

9.43%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.18%0.77%0.46%0.97%-15 bps
Return on Equity12.16%12.44%8.25%5.11%10.33%-183 bps
Net Interest Margin4.15%4.21%3.85%3.93%4.10%-4 bps
Efficiency Ratio63.98%63.48%69.91%65.31%62.63%-135 bps
Growth
Asset Growth (YoY)8.48%6.57%7.02%9.09%5.45%-303 bps
Loan Growth (YoY)1.76%2.01%3.49%2.34%1.67%-9 bps
Share Growth (YoY)8.94%6.79%6.35%9.04%5.31%-363 bps
Asset Quality
Delinquent Loans / Loans2.27%1.77%3.08%2.64%2.92%+65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.21%9.51%9.31%9.02%9.43%+22 bps
Net Worth / Assets9.21%9.51%9.31%9.02%9.43%+22 bps
Liquidity & Funding
Loans / Shares73.69%74.45%73.92%70.35%71.14%-254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps