BELL CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1938

Legal Domicile

Principal Officer

Crystal Miller

Phone

6206620731

Tax Period

2024-01-01 to 2024-12-31

BELL CREDIT UNION, founded in 1938, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $1.6M left a modest 6% surplus.

Mission

It is our vision to exceed all expectations and be totally committed to the service of our members and the financial soundness of our credit union.

Program Service Accomplishments

Program 1

Provides financial and financially related services to 2,086 members.

Program 2

Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2024, there were 2,158 loans outstanding totaling $17,525,166.

Program 3

Bell Credit Union paid dividends on member deposits totaling $649,579 for the year.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,501,095

Investment Income $206,904

Other Revenue $0

TOTAL REVENUE $1,707,999

Expense Breakdown

Grants Paid $0

Salaries & Benefits $376,422

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,222,767

TOTAL EXPENSES $1,599,189

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,707,999	$1,431,718	+0.2%
Expenses	$1,599,189	$1,351,176	+0.2%
Net Income	$108,810	$80,542	+0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$70,833

Total Directors

Key Employees

$70,902

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Crystal Miller	President	45	Key Emp	$68,581	$2,321	$70,902
Sharon Thornhill	Vice President	42	Officer	$54,002	$16,831	$70,833
Linda Corwin	Director	1	Director	$0	$0	$0
Faye Summervill	Chairman	1	Director	$0	$0	$0
Lena Kisner	Director	1	Director	$0	$0	$0
Matt Sloan	Director	1	Director	$0	$0	$0
Claudine Corkins	Director	1	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	$1,707,999	$1,599,189	$25,469,868	$108,810
2023	$1,431,718	$1,351,176	$23,384,115	$80,542
2022	$1,125,312	$909,452	$21,423,912	$215,860
2021	$1,011,663	$975,335	$19,100,384	$36,328
2020	$999,254	$907,217	$18,184,451	$92,037
2019	$917,459	$830,134	$14,528,133	$87,325
2018	$802,936	$742,393	$12,694,269	$60,543