Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2019 • EIN 02-0196520

Jan 01, 2019 to Dec 31, 2019 • Filed on May 06, 2020

Organization Profilewww.bccu.org

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

70th percentile

0.90x

Higher debt load relative to assets than 70% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

79th percentile

18.99x

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

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

13th percentile

7.1%

Higher net margin than 13% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

100th percentile

$3,142,361

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 12.5% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

24th percentile

3.4%

Faster asset growth than 24% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

92nd percentile

20%

Faster revenue growth than 92% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets70th percentile

Assets

Up

$529,448,434

Up $17,605,231 (+3.4%) from 2018

Net Assets

Up

$52,330,201

Up $6,534,404 (+14%) from 2018

Liabilities

Up

$477,118,233

Up $11,070,827 (+2.4%) from 2018

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin13th percentile

Revenue

Up

$25,125,740

Up $4,260,680 (+20%) from 2018

Expenses

Up

$23,329,979

Up $3,641,261 (+18%) from 2018

Net Income

Up

$1,795,761

Up $619,419 (+53%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2019

Assets$529,448,434
Liabilities$477,118,233
Net Assets$52,330,201
Open 2019 Filing

Operations Trend

Revenue Growth92nd 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

2019

Revenue$25,125,740
Expenses$23,329,979
Net Income$1,795,761
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 6, 2020
Return Version
2019v5.1
Gross Receipts
$26,747,314
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$356,796,987$354,360,364▼ $2,436,623
Investments in Publicly Traded Securities$115,846,569$116,208,578▲ $362,009
Rtn Earn Endowment Incm Other Fnds$45,795,797$52,330,201▲ $6,534,404
Savings and Temporary Cash Investments$6,968,610$24,274,312▲ $17,305,702
Land, Buildings, and Equipment, Net$11,968,476$11,475,811▼ $492,665
Cash and Non-Interest-Bearing Accounts$3,106,695$5,662,690▲ $2,555,995
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$511,843,203$529,448,434▲ $17,605,231
Other Assets Total$17,155,866$17,466,679▲ $310,813
Liabilities
Other Liabilities$374,272,648$401,067,961▲ $26,795,313
Mortgage Notes Payable Secured by Investment Property$86,410,000$72,249,687▼ $14,160,313
Accounts Payable and Accrued Expenses$5,364,758$3,800,585▼ $1,564,173
Total Liabilities$466,047,406$477,118,233▲ $11,070,827
Net Assets / Fund Balance
Total Net Assets Fund Balance$45,795,797$52,330,201▲ $6,534,404
Total Liabilities and Net Assets / Fund Balance$511,843,203$529,448,434▲ $17,605,231

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,430,616$7,432,384$9,863,000
Buildings$5,199,127$4,609,000$9,808,127
Land$3,771,502-$3,771,502
Other Land Buildings$74,566-$74,566
Compensation and Service Providers
Top Officer Pay100th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael A L'EcuyerPast President & CEOFT$281,796$2,860,565$3,142,361
Nathan D SallerPresident & CEOFT$213,723$140,207$353,930
Nancy D NadeauSVP/CAOFT$143,000$142,510$285,510
Jeffrey R BensonSVP & COOFT$156,478$91,367$247,845
Jonathan OglebaySVP/CFOFT$138,196$90,646$228,842
Barbara H LussierVP/LendingFT$129,104$60,092$189,196
Leslie GendronVP/Risk ManagementFT$99,962$87,591$187,553
Suzanne BeaubienVP/Retail ServicesFT$119,173$52,388$171,561
J Michael PerrellaVP/Commercial ServicesFT$109,947$60,570$170,517
William GuilfoilVP/Residential LendingFT$102,355$1,450$103,805

Board Members and Trustees

NameTitle
John J GennettiChair
Patrick C McHughVice Chair
David C AndersonDirector
Eva L MartelDirector
Gail GarceauDirector
Maura WestonDirector
Morgan SmithDirector
Seth WallDirector
Lisa M ThorneSecretary & Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit Card Vendor560 Carillon Parkway, St Petersburg, FL 33716$714,321
Q2 Software IncWeb 24PO Box 205970, Dallas, TX 75320$498,364
Financial Statement Services IncProducing/Mailing Statements3300 S Fairview St, Santa Ana, CA 92704$215,100
Eplus Technology IncTechnology SupportPO ox 404938, Atlanta, GA 30384$154,644
Beliveau Fradette & Gallant PALegal91 Bay Street, Manchester, NH 03104$135,246
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,240,138
Investment Income
$4,885,602
Other Revenue
$0
Change in Net Assets
$1,795,761

Audited Revenue Reconciliation

Revenue per Audited Statements
$25,125,740
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$4,738,643
Total Revenue per Audited Statements
$29,864,383
Total Revenue per Form 990
$25,125,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,538,388
Salaries, Compensation, and Employee Benefits$7,842,619
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$4,948,972
Current Officers, Directors, Trustees, and Key Employees---$4,258,488
Other Salaries and Wages---$1,725,129
Interest---$1,717,726
Other Employee Benefits---$1,215,166
Information Technology---$1,211,136
Depreciation Depletion---$933,633
Occupancy---$680,427
Other Expenses---$647,286
All Other Expenses---$577,079
Advertising---$484,219
Fees for Services Other---$416,095
Payroll Taxes---$363,923
Pension Plan Contributions---$279,913
Fees for Services Accounting---$126,999
Insurance---$88,842
Fees for Services Legal---$83,426
Office Expenses---$67,910
Conferences and Meetings---$39,259
Travel---$20,543
Total Functional Expenses$0$0$0$23,329,979

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$23,329,979
Total Expenses per Audited Statements$23,329,979
Total Expenses per Form 990$23,329,979
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$401,067,961
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 35% controlled entity
No
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 36,200 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 decision for mergers in which BCCU is the entity being acquired requires membership approval.”

Form 990, Part VI, Section B, line 11B

“The Form 990 is presented to supervisory committee for review and approval. It is then provided to the full Board of Directors.”

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

“The compensation package for the President/CEO falls under the direction of BCCU's Personnel Committee, which is made up of individuals from the Board of Directors. Utilizing a combination of industry data, competitive compensation surveys, best practices, and assistance from the Credit Union's human resources executive, the Personnel Committee designs and recommends a compensation package that is competitive and fair. The compensation package for the President/CEO includes such things as a written employment contract, salary, benefits, and bonuses/incentives. The Personnel Committee reviews the compensation package as well as the performance of the President/CEO no less than annually and presents findings and recommendations to the Board for approval.”

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
2020-05-06
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
109
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).”

Raw XML AppendixShowing 400 of 679 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/PersonNm0John J Gennetti
IRS990/Form990PartVIISectionAGrp/PersonNm1Patrick C McHugh
IRS990/Form990PartVIISectionAGrp/PersonNm2Lisa M Thorne
IRS990/Form990PartVIISectionAGrp/PersonNm3Morgan Smith
IRS990/Form990PartVIISectionAGrp/PersonNm4Gail Garceau
IRS990/Form990PartVIISectionAGrp/PersonNm5Eva L Martel
IRS990/Form990PartVIISectionAGrp/PersonNm6David C Anderson
IRS990/Form990PartVIISectionAGrp/PersonNm7Maura Weston
IRS990/Form990PartVIISectionAGrp/PersonNm8Seth Wall
IRS990/Form990PartVIISectionAGrp/PersonNm9Michael A L'Ecuyer
IRS990/Form990PartVIISectionAGrp/PersonNm10Jonathan Oglebay
IRS990/Form990PartVIISectionAGrp/PersonNm11Nathan D Saller
IRS990/Form990PartVIISectionAGrp/PersonNm12Jeffrey R Benson
IRS990/Form990PartVIISectionAGrp/PersonNm13Nancy D Nadeau
IRS990/Form990PartVIISectionAGrp/PersonNm14Barbara H Lussier
IRS990/Form990PartVIISectionAGrp/PersonNm15Suzanne Beaubien
IRS990/Form990PartVIISectionAGrp/PersonNm16J Michael Perrella
IRS990/Form990PartVIISectionAGrp/PersonNm17Leslie Gendron
IRS990/Form990PartVIISectionAGrp/PersonNm18William Guilfoil
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/ReportableCompFromOrgAmt93085258
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10159845
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11241428
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12178780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13166138
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14150162
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15136524
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16127759
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17146141
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18102355
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/TitleTxt0Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Past President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/Retail Services
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/Risk Management
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Residential Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt01229647
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02851221
IRS990/GrossReceiptsAmt026747314
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXInd0X
IRS990/InformationTechnologyGrp/TotalAmt01211136
IRS990/InsuranceGrp/TotalAmt088842
IRS990/InterestGrp/TotalAmt01717726
IRS990/InvestmentIncomeGrp/ExclusionAmt03655955
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03655955
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0115846569
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0116208578
IRS990/IRPDocumentCnt091
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012041384
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011968476
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011475811
IRS990/LandBldgEquipCostOrOtherBssAmt023517195
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01621574
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/BOYAmt086410000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt072249687
IRS990/NetAssetsOrFundBalancesBOYAmt045795797
IRS990/NetAssetsOrFundBalancesEOYAmt052330201
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt01229647
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01229647
IRS990/NetUnrelatedBusTxblIncmAmt0101481
IRS990/NetUnrlzdGainsLossesInvstAmt04738643
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0680427
IRS990/OfficeExpensesGrp/TotalAmt067910
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017155866
IRS990/OtherAssetsTotalGrp/EOYAmt017466679
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01215166
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Operations Expense
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3Interchange Fees
IRS990/OtherExpensesGrp/TotalAmt01837985
IRS990/OtherExpensesGrp/TotalAmt1945681
IRS990/OtherExpensesGrp/TotalAmt2660142
IRS990/OtherExpensesGrp/TotalAmt3647286
IRS990/OtherLiabilitiesGrp/BOYAmt0374272648
IRS990/OtherLiabilitiesGrp/EOYAmt0401067961
IRS990/OtherSalariesAndWagesGrp/TotalAmt01725129
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0356796987
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0354360364
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0363923
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0279913
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/RelatedOrExemptFuncIncomeAmt016739110
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13225272
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt016739110
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13501028
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0275756
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt03643024
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02943912
IRS990/PYOtherExpensesAmt08887256
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt017921148
IRS990/PYRevenuesLessExpensesAmt01176342
IRS990/PYSalariesCompEmpBnftPaidAmt07158438
IRS990/PYTotalExpensesAmt019688718
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt020865060
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01795761
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt045795797
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt052330201
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06968610
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024274312
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05199127
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04609000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09808127
IRS990ScheduleD/EquipmentGrp/BookValueAmt02430616
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07432384
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt09863000
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt023329979
IRS990ScheduleD/LandGrp/BookValueAmt03771502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03771502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt04738643
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt074566
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt074566
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0401067961
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/RevenueNotReportedAmt04738643
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt025125740
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011475811
IRS990ScheduleD/TotalExpensesPerForm990Amt023329979
IRS990ScheduleD/TotalLiabilityAmt0401067961
IRS990ScheduleD/TotalRevenuePerForm990Amt025125740
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt029864383
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt023329979
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$529,448,434
Liabilities
$477,118,233
Net assets
$52,330,201
Revenue
$25,125,740
Expenses
$23,329,979
Net income
$1,795,761
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
2019Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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