Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
7 people listed on the 990; $129K paid to officers and key staff.
Compensation history total reportable pay by year · 3 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Crystal Miller | $71,879 | $68,581 | $63,240 | $62,206 | $59,135 | $58,592 |
| Sharon Thornhill | $56,659 | $54,002 | $49,729 | $50,795 | $49,788 | $49,331 |
| Linda Corwin | — | — | $30 | $483 | $194 | $1,092 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Serve members and ensure the credit union's financial health.
Questions for Bell Credit Union
Your first name shows with your question. Bell Credit Union answers here, for everyone.
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Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2025, there were 2,134 loans outstanding totaling $18,136,578.
Bell Credit Union paid dividends on member deposits totaling $640,503 for the year.
Provides financial and financially related services to 2,106 members.
By the numbers
The FY2025 990, line by line.
Download 990
| Line | Start FY25 | End FY25 |
|---|---|---|
| Cash and savingsLn 1–2 | $7.7M | $8.8M |
| Land, buildings, equipmentLn 10c | $95K | $85K |
| Total assetsLn 16 | $25.5M | $27.3M |
| LiabilitiesLn 26 | $23.1M | $24.7M |
| Net assetsLn 32 | $2.3M | $2.5M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $0 | |||
| Grants to domestic individualsLn 2 | $0 | |||
| Grants and assistance to foreign recipientsLn 3 | $0 | |||
| Benefits paid to or for membersLn 4 | $0 | |||
| Pay of current officers, directors and key staffLn 5 | $148K | |||
| Pay of disqualified personsLn 6 | $0 | |||
| Other salaries and wagesLn 7 | $168K | |||
| Pension plan contributionsLn 8 | $4K | |||
| Other employee benefitsLn 9 | $55K | |||
| Payroll taxesLn 10 | $22K | |||
| Management feesLn 11a | $0 | |||
| Legal feesLn 11b | $2K | |||
| Accounting feesLn 11c | $10K | |||
| Lobbying feesLn 11d | $0 | |||
| Professional fundraising feesLn 11e | $0 | |||
| Investment management feesLn 11f | $0 | |||
| Other fees for servicesLn 11g | $0 | |||
| Advertising and promotionLn 12 | $52K | |||
| Office expensesLn 13 | $183K | |||
| Information technologyLn 14 | $95K | |||
| RoyaltiesLn 15 | $0 | |||
| OccupancyLn 16 | $25K | |||
| TravelLn 17 | $425 | |||
| Travel and entertainment for public officialsLn 18 | $0 | |||
| Conferences, conventions and meetingsLn 19 | $5K | |||
| InterestLn 20 | $0 | |||
| Payments to affiliatesLn 21 | $0 | |||
| Depreciation, depletion and amortizationLn 22 | $14K | |||
| InsuranceLn 23 | $24K | |||
| Other expenses (24a–d)Ln 24 | $870K | |||
| Total functional expensesLn 25 | $1.7M | $0 | $0 | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest Viewing | $1.9M | $1.7M | $209K | $2.5M | 990 PDF |
| FY2024 | $1.7M | $1.6M | $109K | $2.3M | 990 PDF |
| FY2023 | $1.4M | $1.4M | $81K | $2.2M | 990 PDF |
| FY2022 | $1.1M | $909K | $216K | $2.1M | 990 PDF |
| FY2021 | $1.0M | $975K | $36K | $1.9M | 990 PDF |
| FY2020 | $999K | $907K | $92K | $1.9M | 990 PDF |
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Schedules filed Part IV
See the full FY2025 990 (6 parts)
Part I · Summary $1,885,059 revenue, 12 lines filed
Part VI · Governance 5 of 5 board members independent, no flags
Part VIII · Statement of revenue $1,885,059 across 5 lines filed
Part IX · Statement of functional expenses $1,675,594 across 30 lines filed
Part X · Balance sheet $27,255,995 assets, 14 lines filed
Part XI · Reconciliation of net assets $2,538,918 net assets at year end
Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File
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