Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
990 • Fiscal year 2022 • EIN 02-0196520
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
68th percentile
Higher debt load relative to assets than 68% of similar nonprofits.
Liabilities / Revenue
83rd percentile
Higher debt load relative to revenue than 83% of similar nonprofits.
Net Margin
19th percentile
Higher net margin than 19% of similar nonprofits.
Top Officer Pay
70th percentile
Higher top officer pay than 70% of similar nonprofits.
Top officer pay equals 2.2% of source-year revenue.
Asset Growth
66th percentile
Faster asset growth than 66% of similar nonprofits.
Revenue Growth
17th percentile
Faster revenue growth than 17% of similar nonprofits.
Assets
Up$594,268,573
Up $36,577,679 (+6.6%) from 2021
Net Assets
Down$46,838,207
Down $10,315,491 (-18%) from 2021
Liabilities
Up$547,430,366
Up $46,893,170 (+9.4%) from 2021
Revenue
Up$22,612,270
Up $657,090 (+3.0%) from 2021
Expenses
Up$20,357,881
Up $2,983,920 (+17%) from 2021
Net Income
Down$2,254,389
Down $2,326,830 (-51%) from 2021
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.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $376,447,383 | $429,407,153 | ▲ $52,959,770 |
| Investments in Publicly Traded Securities | $107,875,661 | $113,288,348 | ▲ $5,412,687 |
| Rtn Earn Endowment Incm Other Fnds | $57,153,698 | $46,838,207 | ▼ $10,315,491 |
| Savings and Temporary Cash Investments | $35,363,335 | $15,194,545 | ▼ $20,168,790 |
| Land, Buildings, and Equipment, Net | $10,288,651 | $9,910,291 | ▼ $378,360 |
| Cash and Non-Interest-Bearing Accounts | $7,849,385 | $4,695,247 | ▼ $3,154,138 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $557,690,894 | $594,268,573 | ▲ $36,577,679 |
| Other Assets Total | $19,866,479 | $21,772,989 | ▲ $1,906,510 |
| Liabilities | |||
| Other Liabilities | $451,672,079 | $474,608,712 | ▲ $22,936,633 |
| Mortgage Notes Payable Secured by Investment Property | $44,574,687 | $66,999,687 | ▲ $22,425,000 |
| Accounts Payable and Accrued Expenses | $4,290,430 | $5,821,967 | ▲ $1,531,537 |
| Total Liabilities | $500,537,196 | $547,430,366 | ▲ $46,893,170 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $57,153,698 | $46,838,207 | ▼ $10,315,491 |
| Total Liabilities and Net Assets / Fund Balance | $557,690,894 | $594,268,573 | ▲ $36,577,679 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,497,587 | $9,044,447 | $10,542,034 |
| Buildings | $4,478,187 | $5,601,398 | $10,079,585 |
| Land | $3,771,502 | - | $3,771,502 |
| Other Land Buildings | $163,015 | - | $163,015 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Nathan D Saller | President & CEO | FT | $335,207 | $160,767 | $495,974 |
| Nancy D Nadeau | SVP/CAO | FT | $166,023 | $140,872 | $306,895 |
| Jeffrey R Benson | SVP/COO | FT | $182,642 | $94,288 | $276,930 |
| William Zafirson | SVP/CLO | FT | $176,991 | $79,300 | $256,291 |
| Jonathan Oglebay | SVP/CFO | FT | $152,090 | $71,152 | $223,242 |
| J Michael Perrella | VP/Business Services | FT | $131,505 | $82,318 | $213,823 |
| Lori Holmes | VP/Marketing | FT | $130,166 | $53,778 | $183,944 |
| Suzanne Beaubien | VP/Retail Services | FT | $128,448 | $54,158 | $182,606 |
| William Guilfoil | VP/Residental Lending | FT | $102,038 | $79,180 | $181,218 |
| Name | Title |
|---|---|
| Seth Wall | Chair |
| Gail Garceau | Vice Chair |
| Eva L Martel | Director |
| John J Gennetti | Director |
| Len Williams | Director |
| Maura Weston | Director |
| Nick Soggu | Director |
| Patrick C McHugh | Director |
| Kate Luczko | Secretary |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Pscu | Credit Card Services | 560 Carillon Parkway, St Petersburg, FL 33716 | $858,219 |
| Q2 Software Inc | Online Banking | PO Box 205970, Dallas, TX 75320 | $545,771 |
| Upstart Networking | Personal Loans | 2950 S Delaware St Suite 300, San Mateo, CA 94403 | $536,652 |
| Financial Statement Services | Statement Printing/Mailing | 3300 South Fairview Street, Santa Ana, CA 92704 | $190,849 |
| Information Management Solutions Inc | Backup/Disaster Recovery | 2397 NW Kings Blvd 251, Corvalis, OR 97330 | $168,278 |
| Line Item | Amount |
|---|---|
| Other Expenses | $9,153,945 |
| Salaries, Compensation, and Employee Benefits | $9,002,292 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $5,627,850 |
| Benefits to Members | - | - | - | $2,201,644 |
| Information Technology | - | - | - | $1,501,341 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $1,303,042 |
| Interest | - | - | - | $1,299,980 |
| Other Employee Benefits | - | - | - | $876,777 |
| Depreciation Depletion | - | - | - | $861,507 |
| Pension Plan Contributions | - | - | - | $743,916 |
| Advertising | - | - | - | $691,587 |
| Occupancy | - | - | - | $591,735 |
| Payroll Taxes | - | - | - | $450,707 |
| Other Expenses | - | - | - | $408,239 |
| Fees for Services Other | - | - | - | $363,765 |
| Fees for Services Accounting | - | - | - | $195,303 |
| Insurance | - | - | - | $93,453 |
| Office Expenses | - | - | - | $72,311 |
| Fees for Services Legal | - | - | - | $69,330 |
| Conferences and Meetings | - | - | - | $33,967 |
| Travel | - | - | - | $30,260 |
| Total Functional Expenses | $0 | $0 | $0 | $20,357,881 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $20,357,881 |
| Total Expenses per Audited Statements | $20,357,881 |
| Total Expenses per Form 990 | $20,357,881 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Deposits | $474,608,712 |
“Entity is a credit union with 27,500 members.”
“The members of BCCU elect members of the board of directors.”
“Entity-wide decision for mergers in which BCCU is the entity being acquired requires membership approval.”
“The Form 990 is presented to supervisory committee for review and approval. It is then provided to the full Board of Directors.”
“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.”
“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 a partnership with a third party consultant, 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. Working with a third-party consultant, 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.”
“BCCU makes its documents available to the public by request with the exception of financial statements which are posted in each branch lobby.”
“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).”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 4290430 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 5821967 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Operate a state chartered credit union for the benefit of its members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 691587 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 2201644 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Jonathan Oglebay |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6036458181 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 425 Hooksett Road |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Manchester |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NH |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 03104 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 7849385 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 4695247 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 12 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 1303042 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 33967 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 858219 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 545771 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 536652 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 190849 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 168278 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 560 Carillon Parkway |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO Box 205970 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 2950 S Delaware St Suite 300 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | 3300 South Fairview Street |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | 2397 NW Kings Blvd 251 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | St Petersburg |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Dallas |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | San Mateo |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | Santa Ana |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | Corvalis |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | OR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 33716 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 75320 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 94403 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 92704 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 4 | 97330 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | PSCU |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | Q2 Software Inc |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Upstart Networking |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | Financial Statement Services |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | Information Management Solutions Inc |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Credit Card Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Online Banking |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | Personal Loans |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | Statement Printing/Mailing |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | Backup/Disaster Recovery |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 2201644 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 2897473 |
| IRS990/CYOtherExpensesAmt | 0 | 9153945 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 19714797 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2254389 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 9002292 |
| IRS990/CYTotalExpensesAmt | 0 | 20357881 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 22612270 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 861507 |
| IRS990/Desc | 0 | Program services relate to daily operations of a locally controlled, full-service credit union. We make loans, accept deposit accounts, and continually and efficiently provide other relevant financial services to a member base of approximately 27,500 individuals. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 112 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 195303 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 69330 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 363765 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 58127 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 48976 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 69129 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 114960 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 33610 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 35191 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 36486 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 40425 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 52172 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Seth Wall |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Gail Garceau |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Kate Luczko |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | John J Gennetti |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Eva L Martel |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Patrick C McHugh |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Nick Soggu |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Maura Weston |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Len Williams |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Nathan D Saller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Jonathan Oglebay |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Jeffrey R Benson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Nancy D Nadeau |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Lori Holmes |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Suzanne Beaubien |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | J Michael Perrella |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | William Guilfoil |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | William Zafirson |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 437847 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 174266 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 207801 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 191935 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 150334 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 147415 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 177337 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 140793 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 204119 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | President & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SVP/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SVP/COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | SVP/CAO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP/Marketing |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | VP/Retail Services |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP/Business Services |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP/Residental Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | SVP/CLO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1921 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 378975 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 989023 |
| IRS990/GrossReceiptsAmt | 0 | 23222318 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 15 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1501341 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 93453 |
| IRS990/InterestGrp/TotalAmt | 0 | 1299980 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 2518498 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 2518498 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 107875661 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 113288348 |
| IRS990/IRPDocumentCnt | 0 | 93 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 14645845 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 10288651 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 9910291 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 24556136 |
| IRS990/LegalDomicileStateCd | 0 | NH |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 610048 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To operate a state chartered credit union to provide loan and deposit services for the benefit of its members. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 44574687 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 66999687 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 57153698 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 46838207 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 378975 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 378975 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 124716 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -12569880 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 591735 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 72311 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 19866479 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 21772989 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 876777 |
| IRS990/OtherExpensesGrp/Desc | 0 | Miscellaneous Expenses |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | Operations Expense |
| IRS990/OtherExpensesGrp/Desc | 3 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1138195 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 902849 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 900123 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 408239 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 451672079 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 474608712 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 5627850 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 376447383 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 429407153 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 450707 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 743916 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | Jonathan Oglebay |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee & Service Income |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 16246121 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 3140976 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 16246121 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 3468676 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 327700 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 1696624 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 2492505 |
| IRS990/PYOtherExpensesAmt | 0 | 7295109 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 19462675 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 4581219 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 8382228 |
| IRS990/PYTotalExpensesAmt | 0 | 17373961 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 21955180 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2254389 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 57153698 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 46838207 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 35363335 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 15194545 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4478187 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 5601398 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 10079585 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1497587 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 9044447 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 10542034 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 20357881 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 3771502 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 3771502 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | -12569880 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 163015 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 163015 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 474608712 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Deposits |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | -12569880 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 22612270 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 9910291 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 20357881 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 474608712 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 22612270 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 10042390 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 20357881 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 335207 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 166023 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 182642 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 176991 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 152090 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 131505 |
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Displayed year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.