State credit union · MANCHESTER, New Hampshire · NCUA charter #60747
Bellwether Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $658.0M
- Total assets
- 24,513
- Members
- 9.4%
- Net-worth ratio
Bellwether Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $658.0M; members 24,513; net-worth ratio 9.38%; health rank #2,339 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,339 of 4,374 health · 2025Q4Bellwether Community · health 83/100 · $658.0M · 2025Q4
Call Report peers
Bellwether Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Bellwether Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Bellwether Community sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Bellwether Community
- Loan-to-Share Ratio leads the peer set - 94.17% here, 83.90% peer average (+10.27 pp).
- Net Worth Ratio trails the peer set - 9.38% here, 11.18% peer average (-1.80 pp).
New Hampshire standing for Bellwether Community
- In New Hampshire, health place is #8 of 12 on the same NCUA-ratio sort used nationally.
- New Hampshire assets place: #6 of 12.
- Member book place in New Hampshire: #7 of 12.
- One place up in New Hampshire, Members First Credit Union of N.H. (#7) scores 85/100, 2 points higher; one place down, TRIANGLE (#9) scores 81/100, 2 points lower.
Bellwether Community: 2025Q4 → 2026Q1
Bellwether Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $658.0M (2025Q4) to $670.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (9.50% → 9.38%).
This credit union's 9.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Bellwether Community gives up 17 points in total. Member Growth costs the most, 9.1 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.1 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 13.5 pts
Bellwether Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.38% | -1.80 pp |
| Delinquency Rate | 0.28% | -0.60 pp |
| Return on Assets | 0.17% | -0.34 pp |
| Member Growth | -1.70% | - |
| Loan-to-Share Ratio | 94.17% | +10.27 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $670.2M | - |
| 2025Q4 | $658.0M | 24,513 |
| 2024Q4 | $618.1M | 24,937 |
| 2023Q4 | $599.6M | 26,294 |
Credit Union Details
- Charter Number
- 60747
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New Hampshire
- City
- MANCHESTER
- Data Quarter
- 2025Q4
Branch Locations (4)
Bellwether Community operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bellwether Community Credit Union (Main Office) | Manchester, NH |
| BCCU - Bedford Office | Bedford, NH |
| BCCU - Nashua Office | Nashua, NH |
| BCCU - Pelham | Pelham, NH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Hampshire
More federally-insured credit unions based in New Hampshire, ordered by peer group match and asset size.
Other-state peers near Bellwether Community
Using this data
- Bellwether Community ranks #2,339 of 4,374 nationally on financial health and #8 of 12 in NH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Granite State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Granite State
Frequently Asked Questions
Is Bellwether Community financially healthy?
Bellwether Community has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,339 of 4,374 nationally on health and #8 of 12 in New Hampshire. Its net worth ratio is 9.38% and its delinquency rate 0.28%.
How does Bellwether Community compare to other credit unions?
Bellwether Community scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.17% vs 83.90%). Its widest shortfall is net worth ratio (9.38% vs 11.18%).
How can I join Bellwether Community?
Membership eligibility for Bellwether Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Bellwether Community directly for current membership requirements and application steps.
Is my money safe at Bellwether Community?
Bellwether Community is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Bellwether Community's net worth ratio of 9.38% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.