PackageTrendsPeer
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Bellwether Community

Manchester, NH · Charter 60747

NCUA · 3 branches

Q2 2026

$674.7MAssets
$503.1MLoans
$541.9MShares
$63.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.28%, up 16 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.28% of loans (-3 bps YoY).
  • Capital: net worth / assets of 9.40%, down 32 bps from a year ago.
  • Funding: loans stand at 92.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%+16 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+13 bps YoY

Efficiency Ratio (YTD, annualized)

87.23%-284 bps YoY

Net Worth / Assets

9.40%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.30%0.34%0.24%0.28%+16 bps
Return on Equity1.20%3.14%3.54%2.51%2.97%+178 bps
Net Interest Margin2.70%2.72%2.70%2.81%2.83%+13 bps
Efficiency Ratio90.06%87.39%85.96%90.47%87.23%-284 bps
Growth
Asset Growth (YoY)3.50%4.94%6.46%8.35%8.11%+461 bps
Loan Growth (YoY)4.50%10.21%4.30%5.28%4.25%-24 bps
Share Growth (YoY)6.88%6.34%7.37%8.39%6.16%-72 bps
Asset Quality
Delinquent Loans / Loans0.31%0.20%0.28%0.19%0.28%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.72%9.63%9.50%9.38%9.40%-32 bps
Net Worth / Assets9.72%9.63%9.50%9.38%9.40%-32 bps
Liquidity & Funding
Loans / Shares94.53%97.26%94.17%90.50%92.83%-169 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps