Bellwether Community
Manchester, NH · Charter 60747 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$674.7MAssets
$503.1MLoans
$541.9MShares
$63.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 74% of credit unions under $1B in assets (rank 437 of 1682).
- Widest gap: net interest margin trails 91% of credit unions under $1B in assets (rank 1527 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.28%
Rank 1,327 of 1,683
Net Interest Margin
2.83%
Rank 1,527 of 1,683
Efficiency Ratio
87.23%
Rank 1,275 of 1,682
Equity / Assets
9.40%
Rank 1,450 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.28% | 0.35% | 0.74% | 1.18% | Beats 21% | 1,327 / 1,683 | | |
| Return on Equity | 2.97% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,215 / 1,681 | | |
| Net Interest Margin | 2.83% | 3.31% | 3.82% | 4.32% | Beats 9% | 1,527 / 1,683 | | |
| Efficiency Ratio | 87.23% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,275 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.26% | 0.65% | 1.29% | Beats 74% | 437 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,450 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.40% | 10.44% | 12.89% | 16.53% | Beats 14% | 1,450 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.83% | 52.61% | 69.38% | 83.50% | 91st pctl | 156 / 1,683 | | |
| Loans / Assets | 74.56% | 44.71% | 59.18% | 70.72% | 82nd pctl | 299 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |