Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2013 • EIN 02-0196520

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileWWW.BCCU.COM

View Organization Page

425 Hooksett RoadManchester, NH 03104

(603) 645-8181

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

38th percentile

0.89x

Higher debt load relative to assets than 38% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

79th percentile

21.75x

Higher debt load relative to revenue than 79% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

11th percentile

5.2%

Higher net margin than 11% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

83rd percentile

$535,987

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 3.4% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

78th percentile

7.4%

Faster asset growth than 78% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$387,752,721

Up $26,662,284 (+7.4%) from 2012

Net Assets

Down

$42,863,942

Down $3,519,139 (-7.6%) from 2012

Liabilities

Up

$344,888,779

Up $30,181,423 (+9.6%) from 2012

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin11th percentile

Revenue

$15,853,498

No earlier filing loaded for comparison.

Expenses

Up

$15,036,002

Up $309,654 (+2.1%) from 2012

Net Income

$817,496

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$800M$600M$400M$200M$0Assets 2010: $331,375,449Liabilities 2010: $288,087,545Net Assets 2010: $43,287,9042010Assets 2011: $352,847,766Liabilities 2011: $307,269,782Net Assets 2011: $45,577,9842011Assets 2012: $361,090,437Liabilities 2012: $314,707,356Net Assets 2012: $46,383,0812012Assets 2013: $387,752,721Liabilities 2013: $344,888,779Net Assets 2013: $42,863,9422013Assets 2014: $408,453,517Liabilities 2014: $362,235,455Net Assets 2014: $46,218,0622014Assets 2015: $431,755,431Liabilities 2015: $385,730,903Net Assets 2015: $46,024,5282015Assets 2016: $465,018,926Liabilities 2016: $420,346,374Net Assets 2016: $44,672,5522016Assets 2017: $504,412,988Liabilities 2017: $457,140,806Net Assets 2017: $47,272,1822017Assets 2018: $511,843,203Liabilities 2018: $466,047,406Net Assets 2018: $45,795,7972018Assets 2019: $529,448,434Liabilities 2019: $477,118,233Net Assets 2019: $52,330,2012019Assets 2020: $525,981,629Liabilities 2020: $470,521,835Net Assets 2020: $55,459,7942020Assets 2021: $557,690,894Liabilities 2021: $500,537,196Net Assets 2021: $57,153,6982021Assets 2022: $594,268,573Liabilities 2022: $547,430,366Net Assets 2022: $46,838,2072022Assets 2023: $599,439,573Liabilities 2023: $551,137,294Net Assets 2023: $48,302,2792023Assets 2024: $617,873,989Liabilities 2024: $566,928,647Net Assets 2024: $50,945,3422024

Highlighted filing

2013

Assets$387,752,721
Liabilities$344,888,779
Net Assets$42,863,942
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $14,992,1002010Expenses 2011: $14,570,7402011Expenses 2012: $14,726,3482012Revenue 2013: $15,853,498Expenses 2013: $15,036,002Net Income 2013: $817,4962013Revenue 2014: $15,695,374Expenses 2014: $14,815,573Net Income 2014: $879,8012014Revenue 2015: $16,606,240Expenses 2015: $15,564,744Net Income 2015: $1,041,4962015Revenue 2016: $17,105,111Expenses 2016: $16,433,648Net Income 2016: $671,4632016Revenue 2017: $19,644,899Expenses 2017: $18,343,684Net Income 2017: $1,301,2152017Revenue 2018: $20,865,060Expenses 2018: $19,688,718Net Income 2018: $1,176,3422018Revenue 2019: $25,125,740Expenses 2019: $23,329,979Net Income 2019: $1,795,7612019Revenue 2020: $21,630,143Expenses 2020: $20,533,106Net Income 2020: $1,097,0372020Revenue 2021: $21,955,180Expenses 2021: $17,373,961Net Income 2021: $4,581,2192021Revenue 2022: $22,612,270Expenses 2022: $20,357,881Net Income 2022: $2,254,3892022Revenue 2023: $28,724,305Expenses 2023: $28,170,924Net Income 2023: $553,3812023Revenue 2024: $33,425,054Expenses 2024: $32,462,420Net Income 2024: $962,6342024

Highlighted filing

2013

Revenue$15,853,498
Expenses$15,036,002
Net Income$817,496
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.0
Gross Receipts
$30,100,674
Mission and Program Overview

Mission

To operate a state chartered credit union to provide loan and deposit services for the benefit of its members.

Operate a state chartered credit union for the benefit of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$243,335,047$259,761,679▲ $16,426,632
Investments in Publicly Traded Securities$87,543,614$87,848,668▲ $305,054
Rtn Earn Endowment Incm Other Fnds$46,383,081$42,863,942▼ $3,519,139
Cash and Non-Interest-Bearing Accounts$9,265,826$14,556,240▲ $5,290,414
Land, Buildings, and Equipment, Net$11,326,458$11,516,422▲ $189,964
Receivables From Officers Etc-$1,808,971-
Savings and Temporary Cash Investments$744,359--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Prepaid Expenses and Deferred Charges$0--
Total Assets$361,090,437$387,752,721▲ $26,662,284
Other Assets Total$8,875,133$12,260,741▲ $3,385,608
Liabilities
Other Liabilities$270,261,760$281,193,129▲ $10,931,369
Mortgage Notes Payable Secured by Investment Property$41,000,000$60,000,000▲ $19,000,000
Accounts Payable and Accrued Expenses$3,445,596$3,695,650▲ $250,054
Total Liabilities$314,707,356$344,888,779▲ $30,181,423
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,383,081$42,863,942▼ $3,519,139
Total Liabilities and Net Assets / Fund Balance$361,090,437$387,752,721▲ $26,662,284

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,286,158$2,796,535$8,082,693
Equipment$1,627,533$3,901,604$5,529,137
Land$3,771,502-$3,771,502
Other Land Buildings$831,229-$831,229
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MICHAEL A L'ECUYERPresident & CEOFT$298,382$237,605$535,987
Claire J CastaninoEvp/COOFT$169,993$69,768$239,761
Paul D RoySVP/CFOFT$132,162$19,311$151,473
Nancy D NadeauVP/administratorFT$133,089$11,725$144,814
John GuntherVP/risk ManagementFT$119,197$3,904$123,101
Jeffrey R BensonVP/is-CIOFT$113,735$7,775$121,510
Nathan D SallerVP/sales & MarketingFT$107,180$13,438$120,618
Barbara H LussierVP/lendingFT$106,370$12,082$118,452

Board Members and Trustees

NameTitle
Eva L MartelChair Supervisory Committee
Lisa M ThorneChairman
Calvin B FrostVice Chairman
Chris WilliamsDirector
David C AndersonDirector
John J GennettiDirector
Patrick C MchughDirector
Paul LabonteDirector
Gloria V BouchardSecretary/treasurer
Dr Scott BobbittSupervisory Committee
R Bruce WilsonSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit Card Processor-$518,426
Harvey Construction CorpConstruction Company-$426,308
Eisenberg Vital & RyzeMarketing Consultant-$369,871
Harvard Pilgrim Health CareEmployee Health Care-$297,727
John Hancock Life Insurance CoExecutive Benefits-$287,701
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,001,550
Investment Income
$2,684,531
Other Revenue
$2,167,417
Change in Net Assets
$817,496

Audited Revenue Reconciliation

Revenue per Audited Statements
$15,853,499
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$15,853,499
Total Revenue per Form 990
$15,853,499
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,282,128
Salaries, Compensation, and Employee Benefits$6,244,134
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,235,943--$3,235,943
Other Employee Benefits$1,817,766--$1,817,766
Benefits to Members$1,509,740--$1,509,740
Current Officers, Directors, Trustees, and Key Employees$1,190,425--$1,190,425
Occupancy$1,014,433--$1,014,433
Information Technology$864,525--$864,525
All Other Expenses$753,696--$753,696
Other Expenses$649,080$906,045-$649,080
Advertising$595,083--$595,083
Interest$450,820--$450,820
Total Functional Expenses$14,129,957$906,045$0$15,036,002

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,036,002
Total Expenses per Audited Statements$15,036,002
Total Expenses per Form 990$15,036,002
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$1,808,971-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$281,193,129
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Entity is a credit union with 32,040 members.”

Form 990, Part VI, Section A, Line 7A

“The members of bccu elect at least one member of the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Entity-wide decisions including election of officers, merger and acquisition, and changes to by-laws or governing documents would require membership approval.”

Form 990, Part VI, Section B, Line 11

“The form 990 is presented to the supervisory committee for review.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is monitored annually.”

Form 990, Part VI, Section B, Line 15

“Determined after formal annual reviews with goals and objectives.”

Form 990, Part VI, Section C, Line 19

“Bccu makes its documents available to the public by request with the exception of the financial statements which are posted in each branch lobby.”

Form 990, Part VII

“Lisa m. Thorne - 6 springwood drive, hooksett , nh 03106. Calvin b. Frost - 293 south mammoth road, manchester, nh 03109. Gloria v. Bouchard - 283 ward street, manchester, nh 03104. Patrick c mchugh - 20 winter drive, hooksett , nh 03106. Paul labonte - 84 brickmill road, bedford , nh 03110. David c. Anderson - 696 spofford road, auburn, nh 03032. Chris williams - 7 mahogany drive, nashua , nh 03062. John j. Gennetti - 79 white rock hill road, bow, nh 03304. Eva l. Martel - 2 old coventry lane, bedford , nh 03110. R. Bruce wilson - 56 seton drive, bedford , nh 03110. Dr. Scott bobbitt - 76 allds street, nashua , nh 03060.”

Filing and Contact Details

Filer

EIN
02-0196520
Phone
6036458181

Signing Officer

Name
Paul D Roy
Title
CFO
Phone
6036458181
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul D Roy
Formed
1921
Legal Domicile
Nh
Voting Board Members
11
Independent Board Members
11
Employees
95
Volunteers
0

Preparer

Preparer
Richard F Lyon CPA
Phone
8027485654
Raw XML AppendixShowing 400 of 726 raw XML fields

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IRS990/Form990PartVIISectionAGrp/PersonNm0LISA M THORNE
IRS990/Form990PartVIISectionAGrp/PersonNm1CALVIN B FROST
IRS990/Form990PartVIISectionAGrp/PersonNm2GLORIA V BOUCHARD
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICK C MCHUGH
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL LABONTE
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IRS990/Form990PartVIISectionAGrp/PersonNm6CHRIS WILLIAMS
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IRS990/Form990PartVIISectionAGrp/PersonNm11MICHAEL A L'ECUYER
IRS990/Form990PartVIISectionAGrp/PersonNm12CLAIRE J CASTANINO
IRS990/Form990PartVIISectionAGrp/PersonNm13PAUL D ROY
IRS990/Form990PartVIISectionAGrp/PersonNm14JEFFREY R BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm15JOHN GUNTHER
IRS990/Form990PartVIISectionAGrp/PersonNm16BARBARA H LUSSIER
IRS990/Form990PartVIISectionAGrp/PersonNm17NANCY D NADEAU
IRS990/Form990PartVIISectionAGrp/PersonNm18NATHAN D SALLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11306167
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12172128
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13132559
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14113735
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15119197
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16106370
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17133089
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18107180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIR SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/IS-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/SALES & MARKETING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0693875
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt014852126
IRS990/GrossReceiptsAmt030100674
IRS990/GrossRentsGrp/RealAmt094933
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0864525
IRS990/InformationTechnologyGrp/TotalAmt0864525
IRS990/InterestGrp/ProgramServicesAmt0450820
IRS990/InterestGrp/TotalAmt0450820
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01990656
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01990656
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt087543614
IRS990/InvestmentsPubTradedSecGrp/EOYAmt087848668
IRS990/IRPDocumentCnt050
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06698139
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011326458
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011516422
IRS990/LandBldgEquipCostOrOtherBssAmt018214561
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt014158251
IRS990/LessRentalExpensesGrp/RealAmt088925
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO OPERATE A STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES FOR THE BENEFIT OF ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt041000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt060000000
IRS990/NetAssetsOrFundBalancesBOYAmt046383081
IRS990/NetAssetsOrFundBalancesEOYAmt042863942
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0693875
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0693875
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt06008
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt06008
IRS990/NetUnrelatedBusTxblIncmAmt094783
IRS990/NetUnrlzdGainsLossesInvstAmt0-4336635
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt01014433
IRS990/OccupancyGrp/TotalAmt01014433
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08875133
IRS990/OtherAssetsTotalGrp/EOYAmt012260741
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01817766
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01817766
IRS990/OtherExpensesGrp/Desc0OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER
IRS990/OtherExpensesGrp/Desc3LOSS ON INVESTMENTS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0906045
IRS990/OtherExpensesGrp/ProgramServicesAmt01358360
IRS990/OtherExpensesGrp/ProgramServicesAmt1690086
IRS990/OtherExpensesGrp/ProgramServicesAmt2649080
IRS990/OtherExpensesGrp/TotalAmt01358360
IRS990/OtherExpensesGrp/TotalAmt1906045
IRS990/OtherExpensesGrp/TotalAmt2690086
IRS990/OtherExpensesGrp/TotalAmt3649080
IRS990/OtherLiabilitiesGrp/BOYAmt0270261760
IRS990/OtherLiabilitiesGrp/EOYAmt0281193129
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0FEE & SERVICE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01455063
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1437335
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01724074
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1437335
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0269011
IRS990/OtherRevenueTotalAmt02161409
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03235943
IRS990/OtherSalariesAndWagesGrp/TotalAmt03235943
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0243335047
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0259761679
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrincipalOfficerNm0PAUL D ROY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011001550
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011001550
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01865438
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03333395
IRS990/PYOtherExpensesAmt06832571
IRS990/PYOtherRevenueAmt02091877
IRS990/PYProgramServiceRevenueAmt010363533
IRS990/PYRevenuesLessExpensesAmt01062457
IRS990/PYSalariesCompEmpBnftPaidAmt06028339
IRS990/PYTotalExpensesAmt014726348
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015788805
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01808971
IRS990/ReconcilationRevenueExpnssAmt0817496
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt06008
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt015584487
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt046383081
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt042863942
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0744359
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05286158
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02796535
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08082693
IRS990ScheduleD/EquipmentGrp/BookValueAmt01627533
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03901604
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05529137
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt015036002
IRS990ScheduleD/LandGrp/BookValueAmt03771502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03771502
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0831229
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0831229
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0281193129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt015853499

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$387,752,721
Liabilities
$344,888,779
Net assets
$42,863,942
Revenue
$15,853,498
Expenses
$15,036,002
Net income
$817,496
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$618$567$50.9$33.4$32.5$0.96
2023Detailed filing. Detailed filing data is available for this year.$599$551$48.3$28.7$28.2$0.55
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$594$547$46.8$22.6$20.4$2.25
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$558$501$57.2$22.0$17.4$4.58
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$526$471$55.5$21.6$20.5$1.10
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$529$477$52.3$25.1$23.3$1.80
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$512$466$45.8$20.9$19.7$1.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$504$457$47.3$19.6$18.3$1.30
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$465$420$44.7$17.1$16.4$0.67
2015Detailed filing. Detailed filing data is available for this year.$432$386$46.0$16.6$15.6$1.04
2014Detailed filing. Detailed filing data is available for this year.$408$362$46.2$15.7$14.8$0.88
2013Detailed filing. Detailed filing data is available for this year.$388$345$42.9$15.9$15.0$0.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$361$315$46.4$14.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$353$307$45.6$14.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$331$288$43.3$15.0