Civic Intelligence

Bellwether Community Credit Union

990 • Fiscal year 2020 • EIN 02-0196520

Jan 01, 2020 to Dec 31, 2020 • Filed on May 07, 2021

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

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

73rd percentile

21.75x

Higher debt load relative to revenue than 73% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

14th percentile

5.1%

Higher net margin than 14% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

38th percentile

$376,195

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

1st percentile

-0.7%

Faster asset growth than 1% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

3rd percentile

-14%

Faster revenue growth than 3% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Assets

Down

$525,981,629

Down $3,466,805 (-0.7%) from 2019

Net Assets

Up

$55,459,794

Up $3,129,593 (+6.0%) from 2019

Liabilities

Down

$470,521,835

Down $6,596,398 (-1.4%) from 2019

Revenue

Down

$21,630,143

Down $3,495,597 (-14%) from 2019

Expenses

Down

$20,533,106

Down $2,796,873 (-12%) from 2019

Net Income

Down

$1,097,037

Down $698,724 (-39%) from 2019

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

2020

Assets$525,981,629
Liabilities$470,521,835
Net Assets$55,459,794

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

2020

Revenue$21,630,143
Expenses$20,533,106
Net Income$1,097,037
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 7, 2021
Return Version
2020v4.1
Gross Receipts
$27,364,082
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$354,360,364$368,338,407▲ $13,978,043
Investments in Publicly Traded Securities$116,208,578$95,051,835▼ $21,156,743
Rtn Earn Endowment Incm Other Fnds$52,330,201$55,459,794▲ $3,129,593
Savings and Temporary Cash Investments$24,274,312$32,996,140▲ $8,721,828
Land, Buildings, and Equipment, Net$11,475,811$10,776,677▼ $699,134
Cash and Non-Interest-Bearing Accounts$5,662,690$1,454,841▼ $4,207,849
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$529,448,434$525,981,629▼ $3,466,805
Other Assets Total$17,466,679$17,363,729▼ $102,950
Liabilities
Other Liabilities$401,067,961$428,282,193▲ $27,214,232
Mortgage Notes Payable Secured by Investment Property$72,249,687$38,749,687▼ $33,500,000
Accounts Payable and Accrued Expenses$3,800,585$3,489,955▼ $310,630
Total Liabilities$477,118,233$470,521,835▼ $6,596,398
Net Assets / Fund Balance
Total Net Assets Fund Balance$52,330,201$55,459,794▲ $3,129,593
Total Liabilities and Net Assets / Fund Balance$529,448,434$525,981,629▼ $3,466,805

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,022,455$7,997,443$10,019,898
Buildings$4,960,220$4,919,743$9,879,963
Land$3,771,502-$3,771,502
Other Land Buildings$22,500-$22,500
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Nathan D SallerPresident & CEOFT$244,971$131,224$376,195
Nancy D NadeauSVP/CAOFT$154,256$133,423$287,679
Jeffrey R BensonSVP/COOFT$175,289$88,056$263,345
Jonathan OglebaySVP/CFOFT$147,928$77,055$224,983
William ZafirsonSVP/CLOFT$165,525$49,110$214,635
Barbara H LussierVP/Consumer LendingFT$139,684$61,161$200,845
Suzanne BeaubienVP/Retail ServicesFT$154,428$43,928$198,356
William GuilfoilVP/Residental LendingFT$148,874$34,540$183,414
J Michael PerrellaVP/Business ServicesFT$122,253$59,481$181,734

Board Members and Trustees

NameTitle
John J GennettiChair
Seth WallVice Chair
David C AndersonDirector
Eva L MartelDirector
Len WilliamsDirector
Maura WestonDirector
Morgan SmithDirector
Patrick C McHughDirector
Lisa M ThornePast Secretary & Treasurer
Gail GarceauSecretary & Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
PscuCredit Card Vendor560 Carillon Parkway, St Petersburg, FL 33716$742,822
Q2 Software IncOnline BankingPO Box 205970, Dallas, TX 75320$504,220
Financial Statement Services IncProducing/Mailing Statements3300 S Fairview St, Santa Ana, CA 92704$201,563
Beliveau Fradette & Gallant PALegal91 Bay Street, Manchester, NH 03104$148,499
Information Management Solutions IncBackup/Disaster Recovery2397 MW Kings Blvd 251, Corvalis, OR 97330$129,997
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,336,738
Investment Income
$3,293,405
Other Revenue
$0
Change in Net Assets
$1,097,037

Audited Revenue Reconciliation

Revenue per Audited Statements
$21,630,143
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$2,032,556
Total Revenue per Audited Statements
$23,662,699
Total Revenue per Form 990
$21,630,143
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,207,607
Salaries, Compensation, and Employee Benefits$7,745,813
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,968,085
Benefits to Members---$3,579,686
Information Technology---$1,270,713
Current Officers, Directors, Trustees, and Key Employees---$1,152,202
Interest---$1,115,973
Other Employee Benefits---$914,419
Depreciation Depletion---$907,619
Other Expenses---$654,362
Occupancy---$652,212
Advertising---$416,410
Payroll Taxes---$382,299
Pension Plan Contributions---$328,808
All Other Expenses---$316,633
Fees for Services Other---$294,113
Fees for Services Accounting---$143,948
Insurance---$91,327
Office Expenses---$56,673
Fees for Services Legal---$40,116
Conferences and Meetings---$14,579
Travel---$9,810
Total Functional Expenses$0$0$0$20,533,106

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,533,106
Total Expenses per Audited Statements$20,533,106
Total Expenses per Form 990$20,533,106
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$428,282,193
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 31,900 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
2021-05-07
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
105
Volunteers
10

Preparer

Firm
Berry Dunn McNeil & Parker LLC
Address
1000 Elm Street 4th Floor, Manchester, NH 03101
Preparer
Melissa Magoon 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/PersonNm4Eva L Martel
IRS990/Form990PartVIISectionAGrp/PersonNm5Patrick C McHugh
IRS990/Form990PartVIISectionAGrp/PersonNm6Morgan Smith
IRS990/Form990PartVIISectionAGrp/PersonNm7Maura Weston
IRS990/Form990PartVIISectionAGrp/PersonNm8Len Williams
IRS990/Form990PartVIISectionAGrp/PersonNm9Lisa M Thorne
IRS990/Form990PartVIISectionAGrp/PersonNm10Nathan D Saller
IRS990/Form990PartVIISectionAGrp/PersonNm11Jonathan Oglebay
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/PersonNm17William Guilfoil
IRS990/Form990PartVIISectionAGrp/PersonNm18William Zafirson
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/ReportableCompFromOrgAmt10274868
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11167680
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12197278
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13175337
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14159014
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15170979
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16138937
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17163701
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18188151
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 Secretary & Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt10President & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP/Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP/Retail Services
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/Business Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/Residental Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt18SVP/CLO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01921
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt0120090
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt05854029
IRS990/GrossReceiptsAmt027364082
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXInd0X
IRS990/InformationTechnologyGrp/TotalAmt01270713
IRS990/InsuranceGrp/TotalAmt091327
IRS990/InterestGrp/TotalAmt01115973
IRS990/InvestmentIncomeGrp/ExclusionAmt03173315
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03173315
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0116208578
IRS990/InvestmentsPubTradedSecGrp/EOYAmt095051835
IRS990/IRPDocumentCnt072
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012917186
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011475811
IRS990/LandBldgEquipBasisNetGrp/EOYAmt010776677
IRS990/LandBldgEquipCostOrOtherBssAmt023693863
IRS990/LegalDomicileStateCd0NH
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt05733939
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/BOYAmt072249687
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt038749687
IRS990/NetAssetsOrFundBalancesBOYAmt052330201
IRS990/NetAssetsOrFundBalancesEOYAmt055459794
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0120090
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0120090
IRS990/NetUnrelatedBusTxblIncmAmt0123506
IRS990/NetUnrlzdGainsLossesInvstAmt02032556
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0652212
IRS990/OfficeExpensesGrp/TotalAmt056673
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017466679
IRS990/OtherAssetsTotalGrp/EOYAmt017363729
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0914419
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Operations Expense
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc3Interchange Fees
IRS990/OtherExpensesGrp/TotalAmt01565453
IRS990/OtherExpensesGrp/TotalAmt1938894
IRS990/OtherExpensesGrp/TotalAmt2718772
IRS990/OtherExpensesGrp/TotalAmt3654362
IRS990/OtherLiabilitiesGrp/BOYAmt0401067961
IRS990/OtherLiabilitiesGrp/EOYAmt0428282193
IRS990/OtherSalariesAndWagesGrp/TotalAmt04968085
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0354360364
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0368338407
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0382299
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0328808
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/RelatedOrExemptFuncIncomeAmt015073176
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12973364
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015073176
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13263562
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0290198
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt04948972
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt04885602
IRS990/PYOtherExpensesAmt010538388
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt020240138
IRS990/PYRevenuesLessExpensesAmt01795761
IRS990/PYSalariesCompEmpBnftPaidAmt07842619
IRS990/PYTotalExpensesAmt023329979
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025125740
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt01097037
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt052330201
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt055459794
IRS990/SavingsAndTempCashInvstGrp/BOYAmt024274312
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032996140
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04960220
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04919743
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09879963
IRS990ScheduleD/EquipmentGrp/BookValueAmt02022455
IRS990ScheduleD/EquipmentGrp/DepreciationAmt07997443
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010019898
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt020533106
IRS990ScheduleD/LandGrp/BookValueAmt03771502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03771502
IRS990ScheduleD/NetUnrealizedGainsInvstAmt02032556
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt022500
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt022500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0428282193
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/RevenueNotReportedAmt02032556
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt021630143
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010776677
IRS990ScheduleD/TotalExpensesPerForm990Amt020533106
IRS990ScheduleD/TotalLiabilityAmt0428282193
IRS990ScheduleD/TotalRevenuePerForm990Amt021630143
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt023662699
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt020533106
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X

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
2020Detailed filing. Detailed filing data is available for this year.$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