# BELLWETHER COMMUNITY
MANCHESTER, NH · NCUA charter 60747 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/bellwether-community-60747

Who the members are: state charter, organized 1921. 24,377 members of 3,819,360 potential (0.6% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $670.2M |
| Members | 24,377 (-1.3% YoY) |
| Full-time staff | 83 |
| Net worth | $62.9M |
| Net worth ratio | 9.4% (p30 of band) |
| ROA (annualized) | 0.24% (p19 of band) |
| Total delinquency | 0.19% (p11 of band) |
| Net charge-offs (annualized) | 0.16% (p15 of band) |
| Loans / shares | 91% (p80 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 8.72% |
| Net interest margin | 2.81% (p13 of band) |
| Operating expense / assets | 2.99% (p21 of band) |
| Vehicles % of loans | 22% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 302% (p90 of band) |
| Vehicle delinquency | 0.37% (p31 of band) |
| Vehicle NCO | 0.90% (p54 of band) |
| Repossessed % of vehicle book | 0.04% (p47 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 129% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 38% |
| Average share balance | $9,577 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $66.0M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $36,078 |
| Loans granted, annualized | $116.6M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $66.0M outstanding purchased (104.9% of net worth), $7.8M sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 8.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | delinquency rising |  |
| 2017-06 | 3 |  | net worth falling, delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 |  | loans>95% of shares |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 | loans>95% of shares | delinquency rising |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | members leaving | loans>95% of shares |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | net worth falling |  |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 5 | losing money, margin squeeze |  |
| 2020-06 | 4 |  | margin squeeze |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | losing money |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | delinquency rising |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | losing money | delinquency rising |
| 2023-06 | 4 | delinquency rising | net worth falling, losing money |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | delinquency rising |
| 2024-06 | 4 | loans>95% of shares |  |
| 2024-09 | 3 |  | loans>95% of shares |
| 2024-12 | 5 | net worth falling, loans>95% of shares |  |
| 2025-03 | 3 |  | net worth falling, loans>95% of shares |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 4 | net worth falling, loans>95% of shares | members leaving, delinquency rising |
| 2025-12 | 3 |  | loans>95% of shares |
| 2026-03 | 4 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-04 [Bellwether Community Credit Union Data Breach Exposes SSNs & More - Claim Depot](https://news.google.com/rss/articles/CBMigwFBVV95cUxNS3cxcUtKYWhFMm9uQnpJZGttR2U3cnlrM0lMekhRWENYa2pCc1BEc3NiN1lGWGlTZ2ZvQWFEdm9BcUdaOVg3bXpOYVNNQnBaaWFJdXJsRklHWUZoMDZvX3F3WmVIeDY0Nno5X3pZWUNYVW1lRGpRTkQ1UF9iaDB4d3FzSQ?oc=5) · Claim Depot
- 2022-03-22 [Bellwether Community Credit Union Selects Upstart for Personal Lending - Upstart](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTXk1a0lxdlFLVXA2RF9pYjY5aTRmbUNIZ3N6NkcxSkNrZHlwTDZCZ3dYb09tQkdVOUIzbGpZSThlNjRXa1BBUk83dzV6Qm91THFmSWh4YU5qaHFtRWFlMXQ4SG1UWUNaX2RldlBPMFRLZHhKMXZGaHJ5aEdlRnRsN1gwbXJLdzBqV2lmSGd5NmpnQnFhejBDa08zMlZNQUM2VTJRZGRFSnFEZk5RVDBjaFV3ci1pc3ho?oc=5) · Upstart
- 2023-10-11 [Best Companies to Work For Hall of Fame: Bellwether Community Credit Union - Business NH Magazine](https://news.google.com/rss/articles/CBMitwFBVV95cUxQRkNkZnVVVEtkbWZ3cTEwLVNQSXZvajNrNUc2TmpvMnk3OS1tN19jdWJhVzFvaWRfWmdLejA0dGpyTmxCak1UclNmME9zRlZhZ3c4MUdwVXR6V1B2bzhJX0dlZGNYSl8xOXV4anpQb25uSVlYaUZnWHZJSmRwWUlFelpjbTdxVWEyRDJHM1dOYUF1SlNDX0JCZnRNVjBDdEJQVk9OLXIxN2tEU2pMRUJYT2U3LVd1OUU?oc=5) · Business NH Magazine
- 2021-06-09 [Bellwether Community Credit Union Welcomes Jessica Miele to the Business Services Team - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNMHluTmNjb2hGaFFKT3JzampjQXhzMjBhc1hya1piQXBUS3JOdXVWYkRjZ1R3LXJuSkVfMHRFR0JCWmZJbU13X2NWZEJRZ1pUazdzSVFhdGg0UHlPY2Q3TTZRZ2ZBSi1vMFl1cVBsdmgzNS1EWi02TzdfUlBIOXpVY2YtRlFEMWhzVmdJbTlFLTF5OENFMXA2NnhzR3Yxc182b2hSM3d2SC0xRDZhQk1XTWZrVXZTX2hLdGU5V0J1UjNEbnFYVXJPTG9pNW9XUzRKUzlWUUt4U3l6dw?oc=5) · PR Newswire
- 2021-06-01 [Bellwether Community Credit Union Promotes Tancreti to Vice President of Lending - cutoday.info](https://news.google.com/rss/articles/CBMivwFBVV95cUxOeXk0Ym5fb0JFY1NDVGt5RklNMTJ3NFJ0SmU0WVdCbkY0NmE2UGhORlRrZUk4bWJYRVAtQ2hLYkJKQlpiaGZNVWVzWHQ3NEtodzNidXlyQTF0SzV6ajMtRzFZb21HWlgyYXhmdmxZV3hqOVdONVlNd0FneUFYdWN4MVZoQ09pSDdzM1hzcHp1MWJmN29PaTBsVlJLdDV4b1l5blJvdTkwUFA0ZnF2M3J4SkV4eEhEVUdFQkZ4SlY3UQ?oc=5) · cutoday.info
- 2023-03-27 [Bellwether Community Credit Union Appoints Tamatha Laramie as Business Development Officer - citybiz.co](https://news.google.com/rss/articles/CBMivgFBVV95cUxPNEJOUWFSQjNkOVhTQmlwRGFMbTFBYjdOTkdQNnNiMlZEbm1IZFFlR2tOdGZEZGdDMWZsd1pUa3hTUGhwNENndmNQQlBWU28yMVN1eTktM0xzYjdtXzNHT0xRMnN6WlBMLVBvZXNtWTdVUTkwdVc2cXVMeV8yel9DbXd3d1Q2T1p1RElNUGZ4Nk9BWmRza3RjZXVmb19KYmpGR3d1bDYzM2lYSENuWTFJNlA0cGhyYTRPRGZWajZR?oc=5) · citybiz.co
- 2024-12-17 [NH governor purchases first 2025 Make-A-Wish calendar - Seacoastonline.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNbndCeFVma3J5elRYaHJSRVpzV2liby0wZHVOZjdDdXdQQUtIcmtfNExmYXVsVUNTUXRJUGRPMXpIWUgzSHdiNU5QVTJxSUROakdycm0yV1JXUjVOQWNHU3BNTUQ2Uno4Z1BRSGFVcHJjcG53UkEzLVlFTTV6VkphM2JWUHpKbkNJak44Z0pGSURMcmw3emJ0d1NGSlpveHp4OC1GVlpVVWtWTldEbzlJX0hLTXFtM2UwVUw0?oc=5) · Seacoastonline.com
- 2024-09-09 [Bellwether Community Credit Union Welcomes Fernando Rico as Bedford Branch Manager - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxORkhWZTVmeUl1SXBxWWY5U05IcGRLVTZDZFg5WnJlQWNVMHpfSFE5NnRTR1ByQkE2YUZDdzYxN2VTSkYyTHRiOXlZM040RXdIa2k2cHdoMDlJRXl0akxxRTJxTS1ZOFR6Z2hYY09CRDdjSXVwbHVDeTdnN3lyMjc3VDVDUTBHRmVpLTh6NE9jZjU1dDloRUN6eEM4azZNMV9zM2c0RmMwUHJ6VHY2S1laRkZMWG5vYzB3eERaUnZTY0pOLWJxak8zTlZBNEtpR0lXUGVvRw?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60747 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "60747", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=60747
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide