Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2014 • EIN 02-0196520

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 13, 2015

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.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

84th percentile

23.08x

Higher debt load relative to revenue than 84% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

10th percentile

5.6%

Higher net margin than 10% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

79th percentile

$534,800

Higher top officer pay than 79% of similar nonprofits.

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

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

55th percentile

5.3%

Faster asset growth than 55% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

26th percentile

-1.0%

Faster revenue growth than 26% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$408,453,517

Up $20,700,796 (+5.3%) from 2013

Net Assets

Up

$46,218,062

Up $3,354,120 (+7.8%) from 2013

Liabilities

Up

$362,235,455

Up $17,346,676 (+5.0%) from 2013

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin10th percentile

Revenue

Down

$15,695,374

Down $158,124 (-1.0%) from 2013

Expenses

Down

$14,815,573

Down $220,429 (-1.5%) from 2013

Net Income

Up

$879,801

Up $62,305 (+7.6%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth55th 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

2014

Assets$408,453,517
Liabilities$362,235,455
Net Assets$46,218,062
Open 2014 Filing

Operations Trend

Revenue Growth26th percentile

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

2014

Revenue$15,695,374
Expenses$14,815,573
Net Income$879,801
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 13, 2015
Return Version
2014v5.0
Gross Receipts
$20,514,142
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$259,761,679$285,983,136▲ $26,221,457
Investments in Publicly Traded Securities$87,848,668$80,336,128▼ $7,512,540
Rtn Earn Endowment Incm Other Fnds$42,863,942$46,218,062▲ $3,354,120
Cash and Non-Interest-Bearing Accounts$14,556,240$14,078,161▼ $478,079
Land, Buildings, and Equipment, Net$11,516,422$13,083,117▲ $1,566,695
Receivables From Officers Etc$1,808,971$1,691,002▼ $117,969
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$387,752,721$408,453,517▲ $20,700,796
Other Assets Total$12,260,741$13,281,973▲ $1,021,232
Liabilities
Other Liabilities$281,193,129$293,262,926▲ $12,069,797
Mortgage Notes Payable Secured by Investment Property$60,000,000$65,000,000▲ $5,000,000
Accounts Payable and Accrued Expenses$3,695,650$3,972,529▲ $276,879
Total Liabilities$344,888,779$362,235,455▲ $17,346,676
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,863,942$46,218,062▲ $3,354,120
Total Liabilities and Net Assets / Fund Balance$387,752,721$408,453,517▲ $20,700,796

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,727,826$3,127,509$9,855,335
Equipment$2,032,131$4,448,656$6,480,787
Land$3,771,502-$3,771,502
Other Land Buildings$551,658-$551,658
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MICHAEL A L'ECUYERPresident & CEOFT$312,477$222,323$534,800
Claire J MosesEvp/COOFT$178,333$69,096$247,429
Paul D RoySVP/CFOFT$139,194$19,639$158,833
Jeffrey R BensonVP/is-CIOFT$146,675$8,105$154,780
Nancy D NadeauVP/administratorFT$120,235$12,543$132,778
John GuntherVP/risk ManagementFT$127,748$4,535$132,283
Barbara H LussierVP/lendingFT$116,908$12,543$129,451
Nathan D SallerVP/sales & MarketingFT$114,226$13,767$127,993

Board Members and Trustees

NameTitle
Eva L MartelChair Supervisory Committe
Lisa M ThorneChairman
Patrick C MchughVice Chair
Chris WilliamsDirector
David C AndersonDirector
John J GennettiDirector
Paul LabonteDirector
Erle PierceAdvisory Committee
Tina AndradeAdvisory Committee
Calvin B FrostSecretary/treasurer
Dr Scott BobbittSupervisory Committee
R Bruce WilsonSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Harvey Construction CorpBuilding Remodeling10 HARVEY RD, Bedford, NH 03110-6805$1,082,276
Kjb Ventures And Maple Leaf ConstructionBusiness LoanDOBSON WAY / CAMP SARGENT RD, Merrimack, NH 03054$1,021,836
PscuCredit Card Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$714,120
Harvard Pilgrim Health CareEmployee Health CarePO BOX 970050, Boston, MA 02297-0050$580,906
John Hancock Life Insurance CoExecutive BenefitsPO BOX 7247-0146, Philadelphia, PA 19170-0146$475,201
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,632,460
Investment Income
$2,255,726
Other Revenue
$1,807,188
Change in Net Assets
$879,801
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,004,277
Salaries, Compensation, and Employee Benefits$6,391,968
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,307,713--$3,307,713
Other Employee Benefits$1,816,330--$1,816,330
Benefits to Members$1,419,328--$1,419,328
Current Officers, Directors, Trustees, and Key Employees$1,267,925--$1,267,925
Occupancy$1,065,787--$1,065,787
Information Technology$930,149--$930,149
All Other Expenses$586,551--$586,551
Advertising$576,716--$576,716
Interest$506,423--$506,423
Other Expenses$340,758$914,676-$340,758
Total Functional Expenses$13,900,897$914,676$0$14,815,573
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$1,691,002▼ $117,969
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$293,262,926
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 28,389 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. Patrick c mchugh - 20 winter drive, hooksett, nh 03106. Paul labonte - 84 brickmill road, bedford, nh 03110. David c. Anderson - 96 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. Erle pierce - 9 stone sled lane, bow, nh 03304. Tina andrade - 10 clydesdale circle, nashua, nh 03062.”

Filing and Contact Details

Filer

Filer Name
Bellwether Community Credit Union
EIN
02-0196520
Phone
6036458181
Address
425 HOOKSETT ROAD, MANCHESTER, NH 03104

Signing Officer

Name
Paul D Roy
Title
CFO
Phone
6036458181
Signed
2015-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paul D Roy
Formed
1921
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
9
Employees
102
Volunteers
0

Preparer

Firm
A M Peisch & Company Llp
Address
1020 MEMORIAL DRIVE, ST JOHNSBURY, VT 05819
Preparer
Richard F Lyon CPA
Phone
8027485654
Raw XML AppendixShowing 400 of 747 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm8R BRUCE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm9DR SCOTT BOBBITT
IRS990/Form990PartVIISectionAGrp/PersonNm10ERLE PIERCE
IRS990/Form990PartVIISectionAGrp/PersonNm11TINA ANDRADE
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL A L'ECUYER
IRS990/Form990PartVIISectionAGrp/PersonNm13CLAIRE J MOSES
IRS990/Form990PartVIISectionAGrp/PersonNm14PAUL D ROY
IRS990/Form990PartVIISectionAGrp/PersonNm15JEFFREY R BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm16JOHN GUNTHER
IRS990/Form990PartVIISectionAGrp/PersonNm17BARBARA H LUSSIER
IRS990/Form990PartVIISectionAGrp/PersonNm18NANCY D NADEAU
IRS990/Form990PartVIISectionAGrp/PersonNm19NATHAN 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/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12321222
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13180758
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14139823
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15147005
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16127748
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17116908
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18120235
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19114226
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/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIR SUPERVISORY COMMITTE
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10ADVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt11ADVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/IS-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/RISK MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/SALES & MARKETING
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0228761
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt05037952
IRS990/GrossReceiptsAmt020514142
IRS990/GrossRentsGrp/RealAmt02925
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0930149
IRS990/InformationTechnologyGrp/TotalAmt0930149
IRS990/InterestGrp/ProgramServicesAmt0506423
IRS990/InterestGrp/TotalAmt0506423
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02026965
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02026965
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt087848668
IRS990/InvestmentsPubTradedSecGrp/EOYAmt080336128
IRS990/IRPDocumentCnt080
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07576165
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011516422
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013083117
IRS990/LandBldgEquipCostOrOtherBssAmt020659282
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt04809191
IRS990/LessRentalExpensesGrp/RealAmt09577
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/BOYAmt060000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt065000000
IRS990/NetAssetsOrFundBalancesBOYAmt042863942
IRS990/NetAssetsOrFundBalancesEOYAmt046218062
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0228761
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0228761
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0-6652
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-6652
IRS990/NetUnrelatedBusTxblIncmAmt0100385
IRS990/NetUnrlzdGainsLossesInvstAmt02474319
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt01065787
IRS990/OccupancyGrp/TotalAmt01065787
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012260741
IRS990/OtherAssetsTotalGrp/EOYAmt013281973
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01816330
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01816330
IRS990/OtherExpensesGrp/Desc0OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc3PROFESS. & OUTSIDE SERV
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0914676
IRS990/OtherExpensesGrp/ProgramServicesAmt01622937
IRS990/OtherExpensesGrp/ProgramServicesAmt1460280
IRS990/OtherExpensesGrp/ProgramServicesAmt2340758
IRS990/OtherExpensesGrp/TotalAmt01622937
IRS990/OtherExpensesGrp/TotalAmt1914676
IRS990/OtherExpensesGrp/TotalAmt2460280
IRS990/OtherExpensesGrp/TotalAmt3340758
IRS990/OtherLiabilitiesGrp/BOYAmt0281193129
IRS990/OtherLiabilitiesGrp/EOYAmt0293262926
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0FEE & SERVICE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01142172
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1412196
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01401644
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1412196
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0259472
IRS990/OtherRevenueTotalAmt01813840
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03307713
IRS990/OtherSalariesAndWagesGrp/TotalAmt03307713
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0259761679
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0285983136
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0PAUL D ROY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011632460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011632460
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01509740
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02684531
IRS990/PYOtherExpensesAmt07282128
IRS990/PYOtherRevenueAmt02167417
IRS990/PYProgramServiceRevenueAmt011001550
IRS990/PYRevenuesLessExpensesAmt0817496
IRS990/PYSalariesCompEmpBnftPaidAmt06244134
IRS990/PYTotalExpensesAmt015036002
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015853498
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01808971
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01691002
IRS990/ReconcilationRevenueExpnssAmt0879801
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt0-6652
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt015435902
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt042863942
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt046218062
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06727826
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03127509
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09855335
IRS990ScheduleD/EquipmentGrp/BookValueAmt02032131
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04448656
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06480787
IRS990ScheduleD/LandGrp/BookValueAmt03771502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03771502
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0551658
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0551658
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0293262926
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$408,453,517
Liabilities
$362,235,455
Net assets
$46,218,062
Revenue
$15,695,374
Expenses
$14,815,573
Net income
$879,801
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