TellerScore

Bellwether Community Credit Union (NCUA charter #60747) is based in Manchester, New Hampshire. Its Q2 2026 call report shows $674.7M in total assets and $541.9M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Bellwether Community Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 12 credit unions headquartered in New Hampshire, it ranks 10th. Its strongest component is problem-loan coverage (95/100; 2.5%), and its lowest is earnings (31/100; 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.40%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.28%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity67/100
Loans ÷ shares: 92.8% · 13.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).

TellerScore
616364Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202463
Q4 202462
Q1 202564
Q2 202561
Q3 202563
Q4 202562
Q1 202663
Q2 202662
Net worth ratio
7.00%8.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.94%
Q3 20249.85%
Q4 20249.76%
Q1 20259.79%
Q2 20259.72%
Q3 20259.63%
Q4 20259.50%
Q1 20269.38%
Q2 20269.40%
Delinquent loans (60+ days)
0.09%0.20%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.22%
Q4 20240.25%
Q1 20250.09%
Q2 20250.31%
Q3 20250.20%
Q4 20250.28%
Q1 20260.19%
Q2 20260.28%
Return on assets
0.12%0.23%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.22%
Q4 20240.18%
Q1 20250.17%
Q2 20250.12%
Q3 20250.30%
Q4 20250.34%
Q1 20260.24%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$674.7M9.40%0.28%0.28%92.8%
Q1 202663$670.2M9.38%0.19%0.24%90.5%
Q4 202562$658.0M9.50%0.28%0.34%94.2%
Q3 202563$641.5M9.63%0.20%0.30%97.3%
Q2 202561$624.1M9.72%0.31%0.12%94.5%
Q1 202564$618.5M9.79%0.09%0.17%93.2%
Q4 202462$618.1M9.76%0.25%0.18%96.9%
Q3 202463$611.3M9.85%0.22%0.22%93.8%
Q2 202464$603.0M9.94%0.14%0.24%96.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.40%
18th
Problem loans0.28%
84th
Net charge-offs0.17%
74th
Return on assets0.28%
16th
Loans to deposits92.8%
12th
Uninsured deposits13.1%
8th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
69th

Similar-size credit unions in New Hampshire

InstitutionScoreAssetsCapitalProblem loansCompare
Granite State Credit UnionCredit union Manchester, NH70 out of 100, Strong$749.5M9.9%0.49%vs
Holy Rosary Credit UnionCredit union Rochester, NH69 out of 100, Moderate$508.0M9.3%0.48%vs
Triangle Credit UnionCredit union Nashua, NH62 out of 100, Moderate$865.7M8.9%0.59%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Members First Credit Union of N.H.Credit union Manchester, NH70 out of 100, Strong$277.1M9.5%0.52%vs

Deposit insurance

Is my money safe at Bellwether Community Credit Union?

Yes. Bellwether Community Credit Union is a federally insured credit union (NCUA charter #60747). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 13.1% of shares and deposits ($70.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.40%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Bellwether Community Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bellwether Community Credit Union reported 513 home-loan applications under HMDA (LEI 549300XKIMAP8O4OS123): 335 originated ($67,745,000 total), 82 denied, and 65 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Smart Rate Card12.99% – 23.24%$0$272.0%
Smart Rewards Card14.99% – 25.24%$0—2.0%

All Bellwether Community Credit Union card terms

Identity & history

Profile

Legal name
Bellwether Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60747
RSSD ID
439299
Primary regulator
State + NCUA
Established
1921
Headquarters
425 Hooksett Rd, Manchester, NH 03104
Employees
100

Quick answers

Bellwether Community Credit Union: common questions

Is Bellwether Community Credit Union NCUA insured?

Yes. Bellwether Community Credit Union is a federally insured credit union (NCUA charter #60747). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Bellwether Community Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Bellwether Community Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Manchester

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
New Hampshire Federal Credit UnionCredit union Concord, NH85 out of 100, Very strong$331.6M13.8%0.07%vs
Htm Credit UnionCredit union Haverhill, MA84 out of 100, Strong$29.6M13.8%0.11%vs
Sugar River BankBank Newport, NH80 out of 100, Strong$424.3M14.1%0.33%vs
Haverhill BankBank Haverhill, MA77 out of 100, Strong$636.8M11.2%0.14%vs