Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2015 • EIN 02-0196520

Jan 01, 2015 to Dec 31, 2015 • Filed on May 15, 2016

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

47th percentile

0.89x

Higher debt load relative to assets than 47% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

84th percentile

23.23x

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

14th percentile

6.3%

Higher net margin than 14% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

68th percentile

$477,611

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

47th percentile

5.7%

Faster asset growth than 47% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

53rd percentile

5.8%

Faster revenue growth than 53% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$431,755,431

Up $23,301,914 (+5.7%) from 2014

Net Assets

Down

$46,024,528

Down $193,534 (-0.4%) from 2014

Liabilities

Up

$385,730,903

Up $23,495,448 (+6.5%) from 2014

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin14th percentile

Revenue

Up

$16,606,240

Up $910,866 (+5.8%) from 2014

Expenses

Up

$15,564,744

Up $749,171 (+5.1%) from 2014

Net Income

Up

$1,041,496

Up $161,695 (+18%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2015

Assets$431,755,431
Liabilities$385,730,903
Net Assets$46,024,528
Open 2015 Filing

Operations Trend

Revenue Growth53rd 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

2015

Revenue$16,606,240
Expenses$15,564,744
Net Income$1,041,496
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 15, 2016
Return Version
2015v2.1
Gross Receipts
$29,387,983
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$285,983,136$323,112,851▲ $37,129,715
Investments in Publicly Traded Securities$80,336,128$63,863,259▼ $16,472,869
Rtn Earn Endowment Incm Other Fnds$46,218,062$46,024,528▼ $193,534
Cash and Non-Interest-Bearing Accounts$14,078,161$15,120,945▲ $1,042,784
Land, Buildings, and Equipment, Net$13,083,117$13,451,945▲ $368,828
Receivables From Officers Etc$1,691,002$1,355,954▼ $335,048
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$408,453,517$431,755,431▲ $23,301,914
Other Assets Total$13,281,973$14,850,477▲ $1,568,504
Liabilities
Other Liabilities$293,262,926$312,387,949▲ $19,125,023
Mortgage Notes Payable Secured by Investment Property$65,000,000$69,500,000▲ $4,500,000
Accounts Payable and Accrued Expenses$3,972,529$3,842,954▼ $129,575
Total Liabilities$362,235,455$385,730,903▲ $23,495,448
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,218,062$46,024,528▼ $193,534
Total Liabilities and Net Assets / Fund Balance$408,453,517$431,755,431▲ $23,301,914

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,377,041$3,479,769$9,856,810
Equipment$1,721,785$5,031,549$6,753,334
Land$3,771,502-$3,771,502
Other Land Buildings$1,581,617-$1,581,617
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MICHAEL A L'ECUYERPresident & CEOFT$365,056$112,555$477,611
Paul D RoySVP/CFOFT$267,477$18,926$286,403
Claire J MosesEvp/COOFT$197,824$69,142$266,966
Nathan D SallerVP/sales & MarketingFT$160,660$13,496$174,156
Barbara H LussierVP/lendingFT$144,361$7,303$151,664
Jeffrey R BensonVP/is-CIOFT$143,308$775$144,083
Nancy D NadeauVP/administratorFT$132,764$5,844$138,608
Suzanne BeaubienVP/retail ServicesFT$118,760$11,648$130,408
J Michael PerrellaVP/business ServicesFT$111,412$8,025$119,437
Leslie GendronVP/risk ManagementFT$105,169$1,690$106,859

Board Members and Trustees

NameTitle
Patrick C MchughChair
Eva L MartelChair Supervisory Committe
Chris WilliamsDirector
David C AndersonDirector
John J GennettiDirector
Lisa M ThorneDirector
Morgan SmithDirector
Tina AndradeDirector
Gail GarceauAdvisory Committee
Mark BrewerAdvisory Committee
Maura WestonAdvisory Committee
Calvin B FrostSecretary/treasurer
Dr Scott BobbittSupervisory Committee
R Bruce WilsonSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Harvard Pilgrim Health CareEmployee Health CarePO BOX 970050, Boston, MA 02297-0050$793,733
CorelationNew Core Vendor2878 CAMINO DEL RIO SOUTH STE 410, San Diago, CA 92108$491,145
Fiserv Solutions INCAccounting/ap SoftwarePO BOX 99924, Grapevine, TX 76099$294,325
John Hancock Life Insurance CoExecutive BenefitsPO BOX 7247-0146, Philadelphia, PA 19170-0146$287,701
Ncr CorporationInternet Banking14181 COLLECTIONS CENTER DRIVE, Chicago, IL 60693$276,323
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,383,411
Investment Income
$2,121,958
Other Revenue
$2,100,871
Change in Net Assets
$1,041,496

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,606,240
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$16,606,240
Total Revenue per Form 990
$16,606,240
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,196,487
Salaries, Compensation, and Employee Benefits$6,752,027
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,181,351--$3,181,351
Other Employee Benefits$1,809,964--$1,809,964
Current Officers, Directors, Trustees, and Key Employees$1,760,712--$1,760,712
Benefits to Members$1,616,230--$1,616,230
Occupancy$1,105,860--$1,105,860
Information Technology$978,716--$978,716
Interest$578,945--$578,945
All Other Expenses$454,711--$454,711
Other Expenses$355,760$1,203,466-$355,760
Advertising$349,687--$349,687
Total Functional Expenses$14,361,278$1,203,466$0$15,564,744

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$15,564,744
Total Expenses per Audited Statements$15,564,744
Total Expenses per Form 990$15,564,744
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$1,691,002$1,355,954▼ $335,048
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$312,387,949
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 35,897 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. 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. Tina andrade - 10 clydesdale circle, nashua, nh 03062. Morgan smith - 221 crestview road, manchester, nh 03104. Gail garceau - 214 no amherst road, bedford, nh 03110. Mark brewer - 61 south road, deerfield , nh 03037. Maura weston - 16 auburn street, concord, nh 03301.”

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
Jonathan Oglebay CFO
Title
CFO
Phone
6036458181
Signed
2016-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jonathan Oglebay
Formed
1921
Legal Domicile
Nh
Voting Board Members
9
Independent Board Members
9
Employees
107
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 742 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/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14102891
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1566671
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1618414
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt17775
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt186353
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt195844
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2013272
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt218025
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2211648
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt231690
IRS990/Form990PartVIISectionAGrp/PersonNm0LISA M THORNE
IRS990/Form990PartVIISectionAGrp/PersonNm1CALVIN B FROST
IRS990/Form990PartVIISectionAGrp/PersonNm2PATRICK C MCHUGH
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID C ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN J GENNETTI
IRS990/Form990PartVIISectionAGrp/PersonNm6EVA L MARTEL
IRS990/Form990PartVIISectionAGrp/PersonNm7R BRUCE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm8DR SCOTT BOBBITT
IRS990/Form990PartVIISectionAGrp/PersonNm9TINA ANDRADE
IRS990/Form990PartVIISectionAGrp/PersonNm10MORGAN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm11GAIL GARCEAU
IRS990/Form990PartVIISectionAGrp/PersonNm12MARK BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm13MAURA WESTON
IRS990/Form990PartVIISectionAGrp/PersonNm14MICHAEL A L'ECUYER
IRS990/Form990PartVIISectionAGrp/PersonNm15CLAIRE J MOSES
IRS990/Form990PartVIISectionAGrp/PersonNm16PAUL D ROY
IRS990/Form990PartVIISectionAGrp/PersonNm17JEFFREY R BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm18BARBARA H LUSSIER
IRS990/Form990PartVIISectionAGrp/PersonNm19NANCY D NADEAU
IRS990/Form990PartVIISectionAGrp/PersonNm20NATHAN D SALLER
IRS990/Form990PartVIISectionAGrp/PersonNm21J MICHAEL PERRELLA
IRS990/Form990PartVIISectionAGrp/PersonNm22SUZANNE BEAUBIEN
IRS990/Form990PartVIISectionAGrp/PersonNm23LESLIE GENDRON
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/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14374720
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15200295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16267989
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17143308
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18145311
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19132764
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20160884
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21111412
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22118760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23105169
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/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt230
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIR SUPERVISORY COMMITTE
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11ADVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt12ADVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt13ADVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/IS-CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/SALES & MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/BUSINESS SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP/RETAIL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP/RISK MANAGEMENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0373348
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt013155091
IRS990/GrossReceiptsAmt029387983
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt0978716
IRS990/InformationTechnologyGrp/TotalAmt0978716
IRS990/InterestGrp/ProgramServicesAmt0578945
IRS990/InterestGrp/TotalAmt0578945
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01748610
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01748610
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt080336128
IRS990/InvestmentsPubTradedSecGrp/EOYAmt063863259
IRS990/IRPDocumentCnt085
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08511318
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013083117
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013451945
IRS990/LandBldgEquipCostOrOtherBssAmt021963263
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt012781743
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/BOYAmt065000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt069500000
IRS990/NetAssetsOrFundBalancesBOYAmt046218062
IRS990/NetAssetsOrFundBalancesEOYAmt046024528
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0373348
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0373348
IRS990/NetUnrelatedBusTxblIncmAmt0104116
IRS990/NetUnrlzdGainsLossesInvstAmt0-1235030
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt01105860
IRS990/OccupancyGrp/TotalAmt01105860
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013281973
IRS990/OtherAssetsTotalGrp/EOYAmt014850477
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01809964
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01809964
IRS990/OtherExpensesGrp/Desc0OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc3PROFESS. & OUTSIDE SERV
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01203466
IRS990/OtherExpensesGrp/ProgramServicesAmt01654271
IRS990/OtherExpensesGrp/ProgramServicesAmt1515071
IRS990/OtherExpensesGrp/ProgramServicesAmt2355760
IRS990/OtherExpensesGrp/TotalAmt01654271
IRS990/OtherExpensesGrp/TotalAmt11203466
IRS990/OtherExpensesGrp/TotalAmt2515071
IRS990/OtherExpensesGrp/TotalAmt3355760
IRS990/OtherLiabilitiesGrp/BOYAmt0293262926
IRS990/OtherLiabilitiesGrp/EOYAmt0312387949
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0FEE & SERVICE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE FEES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01363834
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1490225
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01610646
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1490225
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0246812
IRS990/OtherRevenueTotalAmt02100871
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03181351
IRS990/OtherSalariesAndWagesGrp/TotalAmt03181351
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0285983136
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0323112851
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JONATHAN OGLEBAY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012383411
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012383411
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01419328
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02255726
IRS990/PYOtherExpensesAmt07004277
IRS990/PYOtherRevenueAmt01807188
IRS990/PYProgramServiceRevenueAmt011632460
IRS990/PYRevenuesLessExpensesAmt0879801
IRS990/PYSalariesCompEmpBnftPaidAmt06391968
IRS990/PYTotalExpensesAmt014815573
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt015695374
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01691002
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01355954
IRS990/ReconcilationRevenueExpnssAmt01041496
IRS990/RegularMonitoringEnfrcInd01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$431,755,431
Liabilities
$385,730,903
Net assets
$46,024,528
Revenue
$16,606,240
Expenses
$15,564,744
Net income
$1,041,496
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