Bellwether Community Credit Union
Bellwether Community Credit Union shows consistent asset and revenue growth with no officer compensation reported on 990s.
EIN: 20196520 · Manchester, NH · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $29.4M |
| Total Expenses | $28.2M |
| CEO/Top Officer Pay | $600 |
| Net Assets | $48.3M |
| Transparency Score | 50/100 |
Is Bellwether Community Credit Union Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Bellwether Community Credit Union
Bellwether Community Credit Union (EIN: 20196520) is a nonprofit organization based in Manchester, NH. The organization reported total revenue of $29.4M and total assets of $599.4M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Bellwether Community Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Bellwether Community Credit Union is a large nonprofit that has been operating for 46 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 5.5%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $28.7M |
| Total Expenses | $28.2M |
| Surplus / Deficit | +$553K |
| Total Assets | $599.4M |
| Total Liabilities | $551.1M |
| Net Assets | $48.3M |
| Operating Margin | 1.9% |
| Debt-to-Asset Ratio | 91.9% |
| Months of Reserves | 255.3 months |
Financial Health Grade: A
In 2023, Bellwether Community Credit Union reported a surplus of $553K with revenue exceeding expenses, holds 255.3 months of operating reserves (strong position), has a debt-to-asset ratio of 91.9% (high leverage).
Financial Trends
Over 13 years of filings (2011–2023), Bellwether Community Credit Union's revenue has grown at a compound annual growth rate (CAGR) of 5.5%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +27.0% | +38.4% | +0.9% |
| 2022 | +3.0% | +17.2% | +6.6% |
| 2021 | +1.5% | -15.4% | +6.0% |
| 2020 | -13.9% | -12.0% | -0.7% |
| 2019 | +20.4% | +18.5% | +3.4% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1980 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Bellwether Community Credit Union with a Mission Score of 50 out of 100 (Fair). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 0%
- programs: 0%
- fundraising: 0%
According to IRS 990 filings, Bellwether Community Credit Union allocates its expenses as follows: admin: 0%, programs: 0%, fundraising: 0%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $553K, with revenue exceeding expenses.
- Debt-to-asset ratio: 91.9%.
Executive Compensation Analysis
The IRS 990 filings consistently report 0% for officer compensation, which is highly unusual for an organization with nearly $600 million in assets and $28 million in annual revenue. This suggests that executive compensation is either not disclosed on the 990 or is structured in a way that it is not categorized as 'officer compensation' on this form, potentially through a related entity or as part of general salaries, which limits transparency.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Bellwether Community Credit Union's IRS 990 filings:
- Lack of detailed expense breakdown (program, admin, fundraising) on 990s, hindering efficiency analysis
- Consistent reporting of 0% officer compensation on 990s, raising questions about executive pay transparency
Strengths
The following positive indicators were identified for Bellwether Community Credit Union:
- Consistent revenue growth, from $15.6M in 2014 to $28.7M in 2023, indicating financial stability.
- Significant asset growth, from $408M in 2014 to $599M in 2023, demonstrating strong financial health.
- Positive net income (Revenue - Expenses) in all reported years, showing operational surpluses.
Frequently Asked Questions about Bellwether Community Credit Union
Is Bellwether Community Credit Union a legitimate charity?
Based on AI analysis of IRS 990 filings, Bellwether Community Credit Union (EIN: 20196520) some concerns. Mission Score: 50/100. 2 red flags identified, 3 strengths noted.
How does Bellwether Community Credit Union spend its money?
Detailed spending breakdown data is not yet available for Bellwether Community Credit Union. Check back for updated IRS 990 analysis.
Are donations to Bellwether Community Credit Union tax-deductible?
Bellwether Community Credit Union is registered as a tax-exempt nonprofit (EIN: 20196520). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
How much does the Bellwether Community Credit Union CEO make?
Bellwether Community Credit Union's highest-compensated officer earns $600 annually. The organization reported $29.4M in total revenue. Executive compensation data is disclosed in IRS 990 filings.
Where is Bellwether Community Credit Union located?
Bellwether Community Credit Union is headquartered in Manchester, New Hampshire and files with the IRS under EIN 20196520.
How many years of IRS 990 filings does Bellwether Community Credit Union have?
Bellwether Community Credit Union has 13 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $29.4M in total revenue.
How does Bellwether Community Credit Union categorize its expenses, given that a traditional program/admin/fundraising breakdown is not available on the 990?
The provided IRS 990 data for Bellwether Community Credit Union does not include a breakdown of expenses into program, administrative, and fundraising categories, which is typical for credit unions. Their primary 'program' is providing financial services to members, and most expenses would be operational costs associated with this. A detailed understanding would require reviewing their full financial statements.
Why is officer compensation consistently reported as 0% on the IRS 990 filings?
The consistent reporting of 0% for officer compensation on the IRS 990 is highly unusual for an organization of this size. This could mean that compensation for executives is reported in a different section of the 990 (e.g., as general salaries), paid by a related entity, or structured in a way that it doesn't fall under the 'officer compensation' category on this specific form. This lack of direct disclosure impacts transparency regarding executive pay.
What is the primary 'program' activity of Bellwether Community Credit Union as a nonprofit?
As a credit union, Bellwether Community Credit Union's primary 'program' activity is providing financial services to its members, including loans, savings accounts, and other banking services, typically with a focus on community benefit rather than profit maximization for shareholders.
Filing History
IRS 990 filing history for Bellwether Community Credit Union showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Bellwether Community Credit Union's revenue has grown by 89.4%, moving from $15.2M to $28.7M. Total assets increased by 69.9% over the same period, from $352.8M to $599.4M. Total functional expenses rose by 93.3%, from $14.6M to $28.2M. In its most recent filing year (2023), Bellwether Community Credit Union reported a surplus of $553K, with revenue exceeding expenses. The organization holds $551.1M in liabilities against $599.4M in assets (debt-to-asset ratio: 91.9%), resulting in net assets of $48.3M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $28.7M | $28.2M | $599.4M | $551.1M | — | — |
| 2022 | $22.6M | $20.4M | $594.3M | $547.4M | — | — |
| 2021 | $22.0M | $17.4M | $557.7M | $500.5M | — | View 990 |
| 2020 | $21.6M | $20.5M | $526.0M | $470.5M | — | — |
| 2019 | $25.1M | $23.3M | $529.4M | $477.1M | — | View 990 |
| 2018 | $20.9M | $19.7M | $511.8M | $466.0M | — | View 990 |
| 2017 | $19.6M | $18.3M | $504.4M | $457.1M | — | View 990 |
| 2016 | $17.1M | $16.4M | $465.0M | $420.3M | — | View 990 |
| 2015 | $16.6M | $15.6M | $431.8M | $385.7M | — | View 990 |
| 2014 | $15.7M | $14.8M | $408.5M | $362.2M | — | View 990 |
| 2013 | $15.9M | $15.0M | $387.8M | $344.9M | — | View 990 |
| 2012 | $15.8M | $14.7M | $361.1M | $314.7M | — | View 990 |
| 2011 | $15.2M | $14.6M | $352.8M | $307.3M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $28.7M, expenses of $28.2M, and assets of $599.4M (revenue +27.0% year-over-year).
- 2022: Revenue of $22.6M, expenses of $20.4M, and assets of $594.3M (revenue +3.0% year-over-year).
- 2021: Revenue of $22.0M, expenses of $17.4M, and assets of $557.7M (revenue +1.5% year-over-year).
- 2020: Revenue of $21.6M, expenses of $20.5M, and assets of $526.0M (revenue -13.9% year-over-year).
- 2019: Revenue of $25.1M, expenses of $23.3M, and assets of $529.4M (revenue +20.4% year-over-year).
- 2018: Revenue of $20.9M, expenses of $19.7M, and assets of $511.8M (revenue +6.2% year-over-year).
- 2017: Revenue of $19.6M, expenses of $18.3M, and assets of $504.4M (revenue +14.8% year-over-year).
- 2016: Revenue of $17.1M, expenses of $16.4M, and assets of $465.0M (revenue +3.0% year-over-year).
- 2015: Revenue of $16.6M, expenses of $15.6M, and assets of $431.8M (revenue +5.8% year-over-year).
- 2014: Revenue of $15.7M, expenses of $14.8M, and assets of $408.5M (revenue -1.0% year-over-year).
- 2013: Revenue of $15.9M, expenses of $15.0M, and assets of $387.8M (revenue +0.4% year-over-year).
- 2012: Revenue of $15.8M, expenses of $14.7M, and assets of $361.1M (revenue +4.1% year-over-year).
- 2011: Revenue of $15.2M, expenses of $14.6M, and assets of $352.8M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Bellwether Community Credit Union:
Data Sources and Methodology
This transparency report for Bellwether Community Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.