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Overview / Commentary
603-645-8181
425 Hooksett Rd
Manchester, NH 03104

Bellwether Community Credit Union is headquartered in Manchester and is the 5th largest credit union in the state of New Hampshire. It is also the 568th largest credit union in the nation. It was established in 1921 and as of March of 2014, it had grown to 77 employees and 27,291 members. Bellwether Community Credit Union has a A health rating.

Field of Membership Restrictions

Three (3) types of people qualify for membership. And these are: 1.) Anyone who lives or works in the state of New Hampshire; 2.) Communications industry employees in Maine, Massachusetts or Vermont; and 3.) Relatives of current BCCU members, regardless of their state of residence. In addition to a member's immediate family, other qualified relatives include aunts or uncles, nephews or nieces, or cousins. To start the membership process, simply fill out the online membership application form. A Savings deposit of $5 is all it takes to establish BCCU membership. - See Details

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Reviews (4)

Waste Of Time

 

FACTS:

I was approved for a loan with Laconia Savings Bank.

Bell weather had a better deal so i called them.

It took them 5 days after several pieces of paperwork to tell me i was denied.

I have over 1,000,000.00 in assets a great salary and almost 0.00 debt w/ a credit score above 700!

I went back LSB. Bell Weather is a complete waste waste of time and Extremely unprofessional

Find someone else.

Too Many 'Final Payments'

I have paid off my truck loan...or so I thought.
Received a notice from Bellweather with an amount due for my final payment. Payment was promptly sent in. The next letter from Bellweather I expected to be the long anticipated title to my truck...much to my surprise it was another small invoice due of 'final payment'. Payment was sent. Today we received a call for the staff at Bellweather with yet another 'final payment' amount due. WOW! Rather than blindly sending another payment (now the 3rd 'final payment') we have requested an invoice and account statement. Staff seemed agitated at the request. I had never heard of Bellweather CU prior to purchasing my truck...the dealer loves them because he gets $100 for each loan he sends their way. Next loan will not be through them.

Response To Bwest

Wooow, big man with your million dollar assets and 0 debt. I was a student, working through college, nonexistent income and barely any credit history, but needed a car loan since I worked very far from home and needed reliable transportation with a warranty.

BCCU was the ONLY bank willing to give me a chance, and I'm proud to say I'm about to finish paying off my first ever car loan and will be staying with them for years to come.

Bellwether Treats Its Members And Employees Like Gold

I work for BCCU and they treat both their members and employees extremely well. BCCU truly cares about its members, and we are taught as employees that members are what keep us employed. BCCU is wonderful to employees and has never had a layoff. In these challenging times, I think that's pretty special!



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bellwether Community Credit Union had $582,000 in non-current loans and owned real-estate with $44.58 million in equity and loan loss allowances on hand to cover it. This gives Bellwether Community Credit Union a Texas Ratio of 1.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for Bellwether Community Credit Union decreased slightly from 1.47% as of March 31, 2013 to 1.31% as of March 31, 2014, resulting in a positive change of 11.33%.This indicates that the balance sheet and financial strength for Bellwether Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Bellwether Community Credit Union has increased its total deposits by $4.4 million, resulting in 1.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bellwether Community Credit Union has shown is above average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bellwether Community Credit Union has $389.32 million in assets with $44.58 million in equity, resulting in a capitalization level of 11.45%, which is excellent.

Institution Statistics

Overall
NCUA #60747
Year Chartered1921
Employees77
Primary Regulator
Assets and Liabilities
Assets$389.32 million
Loans$266.87 million
Deposits$282.35 million
Equity Capital$43.41 million
Loan Loss Allowance$1.17 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$53,000
Historic Data - March 2013
Assets$384.60 million
Equity Capital$46.17 million
Loan Loss Allowance$1.30 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$49,000
Profit Margin - Quarterly
Net Interest Margin0.91%
Return on Assets0.11%
Return on Equity0.97%
Interest Income$3.29 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Bellwether Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Bellwether Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.47%-$500Save It Today! Kid's Club
0.25%$100-IRA Savings
0.25%$100-Roth IRA Savings
0.25%$100-CESA Savings
0.05%$100-Primary Share Savings
0.05%$100-Secondary Savings
0.05%$100-Club Account

Bellwether Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.47%$100k-Money Market Account

Bellwether Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Platinum Loyalty Checking
0.01%$300-Gold Loyalty Checking

Bellwether Community Credit Union CD Rates

Bonus rates are available on CD products, see the bank's website for details.

DetailsAPYMINMAXPRODUCT
1.40%$500-60 Month Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-11 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-6 Month Certificate - with Platinum Level Loyalty Rewards Checking

Bellwether Community Credit Union IRA Rates

Bonus rates are available on IRA products, see the bank's website for details.

DetailsAPYMINMAXPRODUCT
1.40%$500-60 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.15%$500-48 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
1.00%$500-36 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-24 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.70%$500-11 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.40%$500-12 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-3 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
0.25%$500-6 Month IRA Certificate - with Platinum Level Loyalty Rewards Checking
Locations


Bellwether Community Credit Union Locations
Branch Office425 Hooksett RdManchester, NH 03104
Branch Office7 Leavey DrBedford, NH 03110-4437
Branch Office409 Amherst StNashua, NH 03063