Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2017 • EIN 02-0196520

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

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

69th percentile

0.91x

Higher debt load relative to assets than 69% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

89th percentile

23.27x

Higher debt load relative to revenue than 89% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

18th percentile

6.6%

Higher net margin than 18% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

89th percentile

$745,595

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

72nd percentile

8.5%

Faster asset growth than 72% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

86th percentile

15%

Faster revenue growth than 86% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Assets

Up

$504,412,988

Up $39,394,062 (+8.5%) from 2016

Net Assets

Up

$47,272,182

Up $2,599,630 (+5.8%) from 2016

Liabilities

Up

$457,140,806

Up $36,794,432 (+8.8%) from 2016

Revenue

Up

$19,644,899

Up $2,539,788 (+15%) from 2016

Expenses

Up

$18,343,684

Up $1,910,036 (+12%) from 2016

Net Income

Up

$1,301,215

Up $629,752 (+94%) from 2016

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

2017

Assets$504,412,988
Liabilities$457,140,806
Net Assets$47,272,182

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

2017

Revenue$19,644,899
Expenses$18,343,684
Net Income$1,301,215
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.2
Gross Receipts
$34,414,632
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$335,558,007$350,872,617▲ $15,314,610
Investments in Publicly Traded Securities$87,467,094$115,384,570▲ $27,917,476
Rtn Earn Endowment Incm Other Fnds$44,672,552$47,272,182▲ $2,599,630
Land, Buildings, and Equipment, Net$13,540,366$12,668,559▼ $871,807
Savings and Temporary Cash Investments-$4,707,203-
Cash and Non-Interest-Bearing Accounts$10,434,778$4,682,127▼ $5,752,651
Receivables From Officers Etc$1,975,455--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$465,018,926$504,412,988▲ $39,394,062
Other Assets Total$16,043,226$16,097,912▲ $54,686
Liabilities
Other Liabilities$331,745,588$361,391,168▲ $29,645,580
Mortgage Notes Payable Secured by Investment Property$84,135,000$91,135,000▲ $7,000,000
Accounts Payable and Accrued Expenses$4,465,786$4,614,638▲ $148,852
Total Liabilities$420,346,374$457,140,806▲ $36,794,432
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,672,552$47,272,182▲ $2,599,630
Total Liabilities and Net Assets / Fund Balance$465,018,926$504,412,988▲ $39,394,062

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,739,410$3,974,993$9,714,403
Equipment$3,151,772$6,212,520$9,364,292
Land$3,771,502-$3,771,502
Other Land Buildings$5,875-$5,875
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael A L'EcuyerPresident & CEOFT$377,532$368,063$745,595
Nancy D NadeauSVP/CAOFT$145,960$108,613$254,573
Nathan D SallerSVP/COOFT$154,588$76,513$231,101
Jeffrey R BensonSVP/CIOFT$147,961$58,798$206,759
Jonathan OglebaySVP/CFOFT$132,709$71,924$204,633
Barbara H LussierVP/LendingFT$128,793$58,611$187,404
Suzanne BeaubienVP/Retail ServicesFT$123,264$57,378$180,642
Leslie GendronVP/Risk ManagementFT$106,758$50,880$157,638
J Michael PerrellaVP/Commercial ServicesFT$102,951$52,793$155,744
Claire MosesPast EVP/COOFT$96,298$10,368$106,666

Board Members and Trustees

NameTitle
Patrick C McHughChair
John J GennettiVice Chair
Chris WilliamsDirector
David C AndersonDirector
Eva L MartelDirector
Gail GarceauDirector
Maura WestonDirector
Morgan SmithDirector
Lisa M ThorneSecretary & Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit Card Vendor560 Carillon Parkway, St Petersburg, FL 33716$810,464
Q2 Software IncWeb 24PO Box 205970, Dallas, TX 75320$431,305
Merrimack Office Properties LLCRent-Opts Center34 Hansom Drive, Merrimack, NH 03054$325,248
CorelationNew Core Vendor2878 Camino Del Rio South Suite 41, San Diego, CA 92108$227,835
Beliveau Fradette & Gallant PALoan Closings91 Bay Street PO Box 3150, Manchester, NH 03105$103,197
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,731,324
Investment Income
$2,913,575
Other Revenue
$0
Change in Net Assets
$1,301,215

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,644,899
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$1,298,415
Total Revenue per Audited Statements
$20,943,314
Total Revenue per Form 990
$19,644,899
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,042,506
Salaries, Compensation, and Employee Benefits$7,415,569
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,011,371
Benefits to Members---$2,885,609
Current Officers, Directors, Trustees, and Key Employees---$1,749,327
Information Technology---$1,075,247
Other Employee Benefits---$1,059,206
Depreciation Depletion---$1,029,552
Interest---$862,867
Occupancy---$665,965
Other Expenses---$609,218
Payroll Taxes---$383,539
Advertising---$299,204
Fees for Services Other---$268,579
Pension Plan Contributions---$212,126
Fees for Services Accounting---$127,918
Insurance---$91,341
Office Expenses---$71,711
Conferences and Meetings---$60,234
Travel---$24,052
Fees for Services Legal---$18,227
Total Functional Expenses$0$0$0$18,343,684

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$18,343,684
Total Expenses per Audited Statements$18,343,684
Total Expenses per Form 990$18,343,684
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$1,975,455--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$361,391,168
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 36,600 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 supervisory committee for review.

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

Each year every employee and board member is required to review BCCU's Conflict of Interest and Ethics Policy and document any potential conflicts. Our Conflict of Interest clearly identifies a conflict as occurring when an employee is in a position to influence a decision that may result in a personal gain for that employee/board member or a relative as a result of BCCU's business dealings. Covered persons are responsible for disclosing any potential or perceived conflicts of interest. In addition, all BCCU policies are reviewed and approved by the Board of Directors on an annual basis.

Form 990, Part VI, Section B, line 15

Working with the SVP/CAO, the credit union's Personnel Committee (made up of members of BCCU's Board of Directors) is responsible for conducting annual performance reviews for the President/CEO. This process is completed by the Personnel Committee presenting their written assessment and salary recommendations to the Board of Directors for their input and approval. Once approved, a member of the Personnel Committee presents the information to the President/CEO and obtains required signatures. Documents are then submitted to Human Resources for processing. The CEO is responsible for completing formal reviews for all Executive Team members. This would include input from Human Resources on salary recommendations (depending on ratings).

Form 990, Part VI, Section C, line 19

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

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
Title
CFO
Phone
6036458181
Signed
2018-05-10
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
14

Preparer

Firm
Berry Dunn McNeil & Parker LLC
Address
1000 Elm Street 4th Floor, Manchester, NH 03101
Preparer
Barbara J McGuan CPA
Phone
6036697337
Supplemental Narrative

Additional Explanations

Form 990, Part X, Line 10: Land, Buildings, and Equipment:

Section 1.263(a)-3(n) Election: Bellwether Community Credit Union 425 Hooksett Road Manchester, NH 03104 EIN: 02-0196520 Bellwether Community Credit Union is electing to capitalize repair and maintenance costs under Regulation Section 1.263(a)-3(n).

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IRS990/Form990PartVIISectionAGrp/PersonNm5Lisa M Thorne
IRS990/Form990PartVIISectionAGrp/PersonNm6Maura Weston
IRS990/Form990PartVIISectionAGrp/PersonNm7Morgan Smith
IRS990/Form990PartVIISectionAGrp/PersonNm8Patrick C McHugh
IRS990/Form990PartVIISectionAGrp/PersonNm9Claire Moses
IRS990/Form990PartVIISectionAGrp/PersonNm10Jonathan Oglebay
IRS990/Form990PartVIISectionAGrp/PersonNm11Michael A L'Ecuyer
IRS990/Form990PartVIISectionAGrp/PersonNm12Jeffrey R Benson
IRS990/Form990PartVIISectionAGrp/PersonNm13Nancy D Nadeau
IRS990/Form990PartVIISectionAGrp/PersonNm14Nathan D Saller
IRS990/Form990PartVIISectionAGrp/PersonNm15Barbara H Lussier
IRS990/Form990PartVIISectionAGrp/PersonNm16J Michael Perrella
IRS990/Form990PartVIISectionAGrp/PersonNm17Leslie Gendron
IRS990/Form990PartVIISectionAGrp/PersonNm18Suzanne Beaubien
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/ReportableCompFromOrgAmt996298
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10147278
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11437324
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12179079
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13206277
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14171293
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15144009
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16116660
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17119178
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18136198
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/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt9Past EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/Risk Management
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Retail Services
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0203116
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt014972849
IRS990/GrossReceiptsAmt034414632
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXInd0X
IRS990/InformationTechnologyGrp/TotalAmt01075247
IRS990/InsuranceGrp/TotalAmt091341
IRS990/InterestGrp/TotalAmt0862867
IRS990/InvestmentIncomeGrp/ExclusionAmt02710459
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02710459
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt087467094
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0115384570
IRS990/IRPDocumentCnt0101
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010187513
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013540366
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012668559
IRS990/LandBldgEquipCostOrOtherBssAmt022856072
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt014769733
IRS990/LoanOutstandingInd00
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/BOYAmt084135000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt091135000
IRS990/NetAssetsOrFundBalancesBOYAmt044672552
IRS990/NetAssetsOrFundBalancesEOYAmt047272182
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0203116
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0203116
IRS990/NetUnrelatedBusTxblIncmAmt072787
IRS990/NetUnrlzdGainsLossesInvstAmt01298415
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0665965
IRS990/OfficeExpensesGrp/TotalAmt071711
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt016043226
IRS990/OtherAssetsTotalGrp/EOYAmt016097912
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01059206
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Operations Expense
IRS990/OtherExpensesGrp/Desc2Miscellaneous Expenses
IRS990/OtherExpensesGrp/Desc3Loan Servicing Expenses
IRS990/OtherExpensesGrp/TotalAmt01197063
IRS990/OtherExpensesGrp/TotalAmt1964216
IRS990/OtherExpensesGrp/TotalAmt2677112
IRS990/OtherExpensesGrp/TotalAmt3609218
IRS990/OtherLiabilitiesGrp/BOYAmt0331745588
IRS990/OtherLiabilitiesGrp/EOYAmt0361391168
IRS990/OtherSalariesAndWagesGrp/TotalAmt04011371
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0335558007
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0350872617
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0383539
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0212126
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Jonathan Oglebay
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Fee & Service Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014245593
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12247695
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014245593
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12485731
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0238036
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01781810
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01630263
IRS990/PYOtherExpensesAmt07503799
IRS990/PYOtherRevenueAmt02520991
IRS990/PYProgramServiceRevenueAmt012953857
IRS990/PYRevenuesLessExpensesAmt0671463
IRS990/PYSalariesCompEmpBnftPaidAmt07148039
IRS990/PYTotalExpensesAmt016433648
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt017105111
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01975455
IRS990/ReconcilationRevenueExpnssAmt01301215
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt044672552
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt047272182
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04707203
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05739410
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03974993
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09714403
IRS990ScheduleD/EquipmentGrp/BookValueAmt03151772
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06212520
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09364292
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt018343684
IRS990ScheduleD/LandGrp/BookValueAmt03771502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03771502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt01298415
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05875
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt05875
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0361391168
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/RevenueNotReportedAmt01298415
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt019644899
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012668559
IRS990ScheduleD/TotalExpensesPerForm990Amt018343684
IRS990ScheduleD/TotalLiabilityAmt0361391168
IRS990ScheduleD/TotalRevenuePerForm990Amt019644899
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt020943314
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt018343684
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0132709
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1377532

Document Assets

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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
2017Detailed filing. Detailed filing data is available for this year.$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