Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2016 • EIN 02-0196520

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 2017

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

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

24.57x

Higher debt load relative to revenue than 91% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

11th percentile

3.9%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

85th percentile

$626,844

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

67th percentile

7.7%

Faster asset growth than 67% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

20th percentile

3.0%

Faster revenue growth than 20% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Assets

Up

$465,018,926

Up $33,263,495 (+7.7%) from 2015

Net Assets

Down

$44,672,552

Down $1,351,976 (-2.9%) from 2015

Liabilities

Up

$420,346,374

Up $34,615,471 (+9.0%) from 2015

Revenue

Up

$17,105,111

Up $498,871 (+3.0%) from 2015

Expenses

Up

$16,433,648

Up $868,904 (+5.6%) from 2015

Net Income

Down

$671,463

Down $370,033 (-36%) from 2015

Historical Trend

Balance Sheet Trend

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

2016

Assets$465,018,926
Liabilities$420,346,374
Net Assets$44,672,552

Operations Trend

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

2016

Revenue$17,105,111
Expenses$16,433,648
Net Income$671,463
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$17,105,111
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$323,112,851$335,558,007▲ $12,445,156
Investments in Publicly Traded Securities$63,863,259$87,467,094▲ $23,603,835
Rtn Earn Endowment Incm Other Fnds$46,024,528$44,672,552▼ $1,351,976
Land, Buildings, and Equipment, Net$13,451,945$13,540,366▲ $88,421
Cash and Non-Interest-Bearing Accounts$15,120,945$10,434,778▼ $4,686,167
Receivables From Officers Etc$1,355,954$1,975,455▲ $619,501
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$431,755,431$465,018,926▲ $33,263,495
Other Assets Total$14,850,477$16,043,226▲ $1,192,749
Liabilities
Other Liabilities$312,387,949$331,745,588▲ $19,357,639
Mortgage Notes Payable Secured by Investment Property$69,500,000$84,135,000▲ $14,635,000
Accounts Payable and Accrued Expenses$3,842,954$4,465,786▲ $622,832
Total Liabilities$385,730,903$420,346,374▲ $34,615,471
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,024,528$44,672,552▼ $1,351,976
Total Liabilities and Net Assets / Fund Balance$431,755,431$465,018,926▲ $33,263,495

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,051,286$3,700,920$9,752,206
Equipment$3,709,775$5,500,237$9,210,012
Land$3,771,502-$3,771,502
Other Land Buildings$7,803-$7,803
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
MICHAEL A L'ECUYERPresident & CEOFT$377,501$249,343$626,844
Claire J MosesEvp/COOFT$199,206$63,126$262,332
Nancy D NadeauVP/administratorFT$158,685$21,316$180,001
Jeffrey R BensonVP/is-CIOFT$145,792$15,676$161,468
Suzanne BeaubienVP/retail ServicesFT$150,463$10,881$161,344
Nathan D SallerVP/strategy & GrowthFT$137,910$18,693$156,603
Barbara H LussierVP/lendingFT$129,666$10,768$140,434
Jonathan OglebaySVP/CFOFT$125,123$15,038$140,161
J Michael PerrellaVP/commercial LendingFT$110,091$8,414$118,505
Leslie GendronVP/risk ManagementFT$108,059$7,765$115,824

Board Members and Trustees

NameTitle
Patrick C MchughChair
Eva L MartelChair Supervisory Committe
John J GennettiVice Chairman
Chris WilliamsDirector
David C AndersonDirector
Gail GarceauDirector
Morgan SmithDirector
Tina AndradeDirector
Maura WestonAdvisory Committee
Lisa M ThorneSecretary/treasurer
Mark BrewerSupervisory Committee
R Bruce WilsonSupervisory Committee

Highest Paid Contractors

ContractorServicesLocationCompensation
Q2 BankingNew Ebanking VendorPO BOX 678272, Dallas, TX 75267-8272$419,804
Merrimack Office Properties LLCRent Operations Center34 HANSOM DR, Merrimack, NH 03054$300,713
CorelationNew Core Vendor2878 CAMINO DEL RIO SOUTH STE 410, San Diago, CA 92108$266,248
Financial Statement ServicesStatements & Postage3300 S FAIRVIEW ST, Santa Anna, CA 92704$203,023
Beliveau Fradette & Gallant PaLoan Closings91 BAY ST PO BOX 3150, Manchester, NH 03105-3150$142,051
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,953,857
Investment Income
$1,630,263
Other Revenue
$2,520,991
Change in Net Assets
$671,463

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,105,111
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$17,105,111
Total Revenue per Form 990
$17,105,111
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,503,799
Salaries, Compensation, and Employee Benefits$7,148,039
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$3,383,836--$3,383,836
Benefits to Members$1,781,810--$1,781,810
Current Officers, Directors, Trustees, and Key Employees$1,657,668--$1,657,668
Other Employee Benefits$1,181,324--$1,181,324
Information Technology$1,005,363--$1,005,363
Occupancy$1,003,370--$1,003,370
Interest$682,862--$682,862
Depreciation Depletion$671,967--$671,967
Pension Plan Contributions$568,752--$568,752
All Other Expenses$409,048--$409,048
Other Expenses$392,676$1,357,949-$392,676
Payroll Taxes$356,459--$356,459
Advertising$338,905--$338,905
Office Expenses$96,286--$96,286
Insurance$88,230--$88,230
Conferences and Meetings$49,413--$49,413
Travel$33,555--$33,555
Total Functional Expenses$15,075,699$1,357,949$0$16,433,648

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,433,648
Total Expenses per Audited Statements$16,433,648
Total Expenses per Form 990$16,433,648
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$1,355,954$1,975,455▲ $619,501
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$331,745,588
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 33,282 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 11B

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 Contact Addresses for Officers, Directors, Etc

Lisa m. Thorne - 6 springwood drive, hooksett, nh 03106. 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 - 40 campfire circle, alton, nh 03809. 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
2017-05-15
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
111
Volunteers
0

Preparer

Firm
A M Peisch & Company Llp
Address
1020 MEMORIAL DRIVE, ST JOHNSBURY, VT 05819
Preparer
Richard F Lyon CPA
Phone
8027485654
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

Donations : program service expenses 181,638. Management and general expenses 0. Fundraising expenses 0. Total expenses 181,638. Other : program service expenses 137,959. Management and general expenses 0. Fundraising expenses 0. Total expenses 137,959. Annual meeting expenses : program service expenses 46,354. Management and general expenses 0. Fundraising expenses 0. Total expenses 46,354. Meal expenses : program service expenses 25,033. Management and general expenses 0. Fundraising expenses 0. Total expenses 25,033. Gain(loss) on disposal of asset : program service expenses 13,164. Management and general expenses 0. Fundraising expenses 0. Total expenses 13,164. Board/committee costs : program service expenses 4,900. Management and general expenses 0. Fundraising expenses 0. Total expenses 4,900.

Raw XML AppendixShowing 400 of 771 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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt12238405
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1360595
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1415038
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1515275
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1610768
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1720603
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1818416
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt198414
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2010569
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt217765
IRS990/Form990PartVIISectionAGrp/PersonNm0LISA M THORNE
IRS990/Form990PartVIISectionAGrp/PersonNm1PATRICK C MCHUGH
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID C ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRIS WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN J GENNETTI
IRS990/Form990PartVIISectionAGrp/PersonNm5EVA L MARTEL
IRS990/Form990PartVIISectionAGrp/PersonNm6R BRUCE WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm7TINA ANDRADE
IRS990/Form990PartVIISectionAGrp/PersonNm8MORGAN SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm9GAIL GARCEAU
IRS990/Form990PartVIISectionAGrp/PersonNm10MARK BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm11MAURA WESTON
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL A L'ECUYER
IRS990/Form990PartVIISectionAGrp/PersonNm13CLAIRE J MOSES
IRS990/Form990PartVIISectionAGrp/PersonNm14JONATHAN OGLEBAY
IRS990/Form990PartVIISectionAGrp/PersonNm15JEFFREY R BENSON
IRS990/Form990PartVIISectionAGrp/PersonNm16BARBARA H LUSSIER
IRS990/Form990PartVIISectionAGrp/PersonNm17NANCY D NADEAU
IRS990/Form990PartVIISectionAGrp/PersonNm18NATHAN D SALLER
IRS990/Form990PartVIISectionAGrp/PersonNm19J MICHAEL PERRELLA
IRS990/Form990PartVIISectionAGrp/PersonNm20SUZANNE BEAUBIEN
IRS990/Form990PartVIISectionAGrp/PersonNm21LESLIE 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/ReportableCompFromOrgAmt12388439
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13201737
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14125123
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15146193
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16129666
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17159398
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18138187
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19110091
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20150775
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21108059
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/TitleTxt0SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIR SUPERVISORY COMMITTE
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY 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/LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/STRATEGY & GROWTH
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/RETAIL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/RISK MANAGEMENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt017105111
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt01005363
IRS990/InformationTechnologyGrp/TotalAmt01005363
IRS990/InsuranceGrp/ProgramServicesAmt088230
IRS990/InsuranceGrp/TotalAmt088230
IRS990/InterestGrp/ProgramServicesAmt0682862
IRS990/InterestGrp/TotalAmt0682862
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01630263
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01630263
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt063863259
IRS990/InvestmentsPubTradedSecGrp/EOYAmt087467094
IRS990/IRPDocumentCnt089
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09201157
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013451945
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013540366
IRS990/LandBldgEquipCostOrOtherBssAmt022741523
IRS990/LegalDomicileStateCd0NH
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0268058
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0268058
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/BOYAmt069500000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt084135000
IRS990/NetAssetsOrFundBalancesBOYAmt046024528
IRS990/NetAssetsOrFundBalancesEOYAmt044672552
IRS990/NetUnrelatedBusTxblIncmAmt064276
IRS990/NetUnrlzdGainsLossesInvstAmt0-2023439
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt01003370
IRS990/OccupancyGrp/TotalAmt01003370
IRS990/OfficeExpensesGrp/ProgramServicesAmt096286
IRS990/OfficeExpensesGrp/TotalAmt096286
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014850477
IRS990/OtherAssetsTotalGrp/EOYAmt016043226
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01181324
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01181324
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1OPERATIONS EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc3PROFESS. & OUTSIDE SERV
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01357949
IRS990/OtherExpensesGrp/ProgramServicesAmt0899201
IRS990/OtherExpensesGrp/ProgramServicesAmt1474974
IRS990/OtherExpensesGrp/ProgramServicesAmt2392676
IRS990/OtherExpensesGrp/TotalAmt01357949
IRS990/OtherExpensesGrp/TotalAmt1899201
IRS990/OtherExpensesGrp/TotalAmt2474974
IRS990/OtherExpensesGrp/TotalAmt3392676
IRS990/OtherLiabilitiesGrp/BOYAmt0312387949
IRS990/OtherLiabilitiesGrp/EOYAmt0331745588
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0FEE & SERVICE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE FEES
IRS990/OtherRevenueMiscGrp/Desc2OTHER INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01247791
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1448991
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2324187
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01479755
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1448991
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2324187
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt0231964
IRS990/OtherRevenueTotalAmt02520991
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt03383836
IRS990/OtherSalariesAndWagesGrp/TotalAmt03383836
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0323112851
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0335558007
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0356459
IRS990/PayrollTaxesGrp/TotalAmt0356459
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0568752
IRS990/PensionPlanContributionsGrp/TotalAmt0568752
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0JONATHAN OGLEBAY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012953857
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012953857
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01616230
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02121958
IRS990/PYOtherExpensesAmt07196487
IRS990/PYOtherRevenueAmt02100871
IRS990/PYProgramServiceRevenueAmt012383411
IRS990/PYRevenuesLessExpensesAmt01041496
IRS990/PYSalariesCompEmpBnftPaidAmt06752027
IRS990/PYTotalExpensesAmt015564744
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt016606240
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01355954
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01975455

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
2016Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $250M-$1B nonprofits