First Quarter 2017Mid-Year 2020

Bellwether Community Credit

Source: Datatrac, NCUA, and CUNA.(1) Rates and fees as of 11/2/2020.(2) Assumes 2.1 credit union members per household.(3) A "loyal member" is assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand) , $5,000 in an interest-bearing checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.

www.datatrac.net/memberbenefits

0.06

0.04

0.05

0.29

0.17

Regular savings, $1,000 balance

Share draft checking, $5,000 balance

Money Market Accounts

1 Year certificate $10,000 balance

Retirement (IRA) accounts

by Savings Account Type

New Hampshire Banks Your Credit Union

Savings Product Comparative Interest Rates (%)

2.99 2.99

8.65

3.382.75

3.13 3.00

8.99 8.99

4.645.08

10.73

3.463.01 3.35

3.98

12.12

13.41

60-month new car(A paper)

48-month used car(A paper)

Unsecured loan (Apaper)

5-year adjustablerate 1st mortgage,

0 pts

15-year fixed rate1st mortgage, 0

pts

30-year fixed rate1st mortgage, 0

pts

Home equity / 2ndmtg, 80% LTV 0 pts

Credit card -classic

Credit card -platinum

Your Credit Union New Hampshire Banks

by Loan Type

Loan Product Comparative Interest Rates (%)

$30.00 $30.79$35.00 $34.18

$1,340.20 $1,361.00

Bellwether Community Credit Union Area Banks

by Type

Share draft checking, NSF fee Credit cards, late fee Mortgages, closing costs

Comparative Fees

Rate at your Average Rate Rate DifferenceLoan Products Credit Union (%) * at Banks (%) * vs. Banks (%)60-month new car (A paper) 2.99 4.64 -1.6548-month used car (A paper) 2.99 5.08 -2.09Unsecured loan (A paper) 8.65 10.73 -2.085-year adjustable rate 1st mortgage, 0 pts 3.38 3.46 -0.0915-year fixed rate 1st mortgage, 0 pts 2.75 3.01 -0.2630-year fixed rate 1st mortgage, 0 pts 3.13 3.35 -0.23Home equity / 2nd mtg, 80% LTV 0 pts 3.00 3.98 -0.98Credit card - classic 8.99 12.12 -3.13Credit card - platinum 8.99 13.41 -4.42

Savings ProductsRegular savings, $1,000 balance 0.01 0.06 -0.05Share draft checking, $5,000 balance 0.01 0.04 -0.03Money Market Accounts 0.05 0.05 0.001 Year certificate $10,000 balance 0.50 0.29 0.21Retirement (IRA) accounts 0.28 0.17 0.11

Fee IncomeShare draft checking, NSF fee $30.00 $30.79 -$0.79Credit cards, late fee $35.00 $34.18 $0.82Mortgages, closing costs $1,340.20 $1,361.00 -$20.80

*Rates and fees as of 11/2/2020. Credit union rates provided by individual credit union, bank rates provided by Datatrac.

Interest Rates at Bellwether Community Credit Union

Banking Institutions in New Hampshireand

$96,563

$2,083,139

$97,043 $45,917$149,233 $146,296

$593,279

$343,976

Compared to Banking Institutions in Your State

YourCredit Union's Total L

by Loan Type

Your Credit Union's Total Loan Rate Benefits

-$37,139-$14,704

$1,007

$294,281

$36,221

Regular shares Share draft checking Money market accounts Certificate accounts Retirement (IRA) accounts

Compared to Banking Institutions in Your Stateby Account Type

Your Credit Union's Total Savings Dividend Benefits

$268

$225

$123 $117

$302 $301

$262

$156

$221

60-month new car(A paper)

48-month usedcar (A paper)

Unsecured loan (Apaper)

5-year adjustablerate 1st mortgage,

0 pts

15-year fixed rate1st mortgage, 0

pts

30-year fixed rate1st mortgage, 0

pts

Home equity / 2ndmtg, 80% LTV 0 pts

Credit card -classic

Credit card -platinum

Annual Member Benefit of Loan Products with Various Terms

Terms on loan products included are as follows:New Car: $30,000; Used Car: $20,000; Unsecured Loan: $10,000 (5 years)5 Year Adj: $200,000; 15 Year Fixed: $200,000; 30 Year Fixed: $200,000

Savings terms include:Regular Savings: $1,000 balance; Share Draft Checking: $5,000; Money Market Accounts: $2,500 balance; 1-Yr Certificates: $10,000

$0 $0 $0

$21

Regular savings, $1,000 balance Share draft checking, $5,000 balance Money Market Accounts 1 Year certificate $10,000 balance

Annual Member Benefit on Savings Products with Various Terms

RateAvg. Balance Difference Financial Benefit

at Your vs. New Hampshire to YourLoans Credit Union (1) Banks (%) (2) MembersNew car loans 5,845,216 -1.65 $96,563Used car loans 99,671,720 -2.09 $2,083,139Personal unsecured loans 4,656,569 -2.08 $97,0435-year adjustable rate 1st mortgage 52,178,341 -0.09 $45,91715-year fixed rate 1st mortgage 56,742,554 -0.26 $149,23330-year fixed rate 1st mortgage 63,884,502 -0.23 $146,296Home equity / 2nd mortgage loans 60,849,149 -0.98 $593,279Credit cards 9,968,164 -3.13 $343,976Interest rebates $0Total CU member benefits arising from lower interest rates on loan products: $3,555,446

SavingsRegular shares 79,019,114 -0.05 -$37,139Share draft checking 50,704,280 -0.03 -$14,704Money market accounts 100,650,520 0.00 $1,007Certificate accounts 139,469,797 0.21 $294,281Retirement (IRA) accounts 34,170,834 0.11 $36,221Bonus dividends in period $0Total CU member benefit arising from higher interest rates on savings products: $279,666

Fee IncomeTotal CU member benefit arising from fewer/lower fees: $22,453

Total CU member benefit arising from interest rates on loan and savings products and lower fees: $3,857,565

Total CU member benefit / member: $113Total CU member benefit / member household: $237

Source: Datatrac, NCUA, and CUNA(1) Average balance as of June 2020 and June 2019 according to the NCUA call report.(2) Rates and fees as of 11/2/2020. Credit union rates provided by individual credit union, bank rates provided by Datatrac.

Estimated Financial Benefits for Bellwether Community Credit Union

Credit unions generally provide financial benefits to members by charging less for loans, paying more on deposits and charging fewer/lower fees compared to banking institutions.

is hereby granted to:

Bellwether Community Credit Union

The Credit Union National Association has determined that Bellwether Community Credit Union provided $3,857,565 in direct financial benefits to its 34,200 members during the twelve months ending in June 2020. These benefits are equivalent to approximately $237 per member household.

Bellwether Community Credit Union provided loyal high-use member households $811 in direct financial benefits.

Demographic Information Jun 20 Jun 19Number of branches 3 3Total assets ($ mil) 521 528Total loans ($ mil) 347 366Total surplus funds ($ mil) 151 138Total savings ($ mil) 417 393Total members (thousands) 33 35

Growth Rates (Year-to-date)Total assets -1.2 % 3.9 %Total loans -5.4 % 3.5 %Total surplus funds 9.4 % 4.8 %Total savings 6.0 % 4.1 %Total members -6.1 % -4.0 %

Earnings - Basis Pts.Yield on total assets 332 381- Dividend/interest cost of assets 108 125+ Fee & other income 57 100- Operating expense 272 290- Loss Provisions 33 30= Net Income (ROA) -24 36

Capital adequacyNet worth / assets 9.7 9.6

Asset qualityDelinquencies / loans 0.4 0.4Net chargeoffs / average loans 0.3 0.4Total borrower-bankruptcies 27 18Bankruptcies per 1000 members 0.8 0.5

Asset/Liability ManagementLoans / savings 83.2 93.2Loans / assets 66.5 69.4Long-term assets / assets 46.7 40.1Core deposits/shares & borrowings 30.5 25.1

ProductivityMembers/potential members 0.9 6.0Borrowers/members 60.7 65.0Members/FTE 399 408Average shares/members ($) 12,576 11,142Average loan balances ($) 17,228 15,983Salary & Benefits/FTE 91,806 92,766

Bellwether Community Credit UnionPerformance Profile

www.datatrac.net/memberbenefits