Bellwether Community Credit Union
Total assets
$670.2M
▲ +8.4% YoY
Shares & deposits
$551.6M
▲ +8.4% YoY
Loans
$499.2M
▲ +5.3% YoY
Members
24,377
▼ -1.3% YoY
ROA (annualized)
0.24%
peers 0.62%
ROE (annualized)
2.51%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.8% | +3.6 pts |
| Share growth (YoY) | +8.4% | +4.3% | +4.1 pts |
| Loan growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| ROA | 0.24% | 0.62% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.4 pts |
ROA ranks in the 19th percentile of its peer group · Q1 2026
Profile
- Established
- 1921
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 425 Hooksett Rd, Manchester, NH, 03104
- NCUA charter #
- 60747
- RSSD ID
- 439299
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $670.2M | $551.6M | $499.2M | $62.9M | $395K | 0.24% | 2.81% | 0.19% | 24,377 |
| Q4 2025 | $658.0M | $531.1M | $500.1M | $62.5M | $2.2M | 0.34% | 2.70% | 0.28% | 24,513 |
| Q3 2025 | $641.5M | $516.1M | $501.9M | $61.8M | $1.5M | 0.30% | 2.72% | 0.20% | 24,774 |
| Q2 2025 | $624.1M | $510.5M | $482.6M | $60.7M | $363K | 0.12% | 2.70% | 0.31% | 24,635 |
| Q1 2025 | $618.5M | $508.9M | $474.2M | $60.6M | $259K | 0.17% | 2.62% | 0.09% | 24,709 |
| Q4 2024 | $618.1M | $494.7M | $479.5M | $60.3M | $1.1M | 0.18% | 2.47% | 0.25% | 24,937 |
| Q3 2024 | $611.3M | $485.3M | $455.4M | $60.2M | $1.0M | 0.22% | 2.45% | 0.22% | 25,133 |
| Q2 2024 | $603.0M | $477.7M | $461.8M | $59.9M | $711K | 0.24% | 2.47% | 0.14% | 25,513 |
Loan mix (Q1 2026): real estate $282.4M · commercial $81.2M · consumer $132.6M · securities $94.3M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.62% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.81% | 3.48% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.5% | 78.3% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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