2023-11-06T08:06:39-06:00 2022-12-31 010523282 Berry Dunn McNeil & Parker LLC 1000 Elm Street 4th Floor Manchester NH 03101 990 2022-01-01 020196520 Bellwether Community Credit Union BELL 6036458181 425 Hooksett Road Manchester NH 03104 Jonathan Oglebay CFO 6036458181 2023-11-03 1 Jonathan Oglebay 999009999 1 Melissa Magoon CPA P01712842 6036697337 2023-11-03 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z Jonathan Oglebay 425 Hooksett Road Manchester NH 03104 23222318 0 X www.bccu.org X 1921 NH Operate a state chartered credit union for the benefit of its members. 9 9 112 9 327700 124716 0 0 19462675 19714797 2492505 2897473 0 0 21955180 22612270 0 0 1696624 2201644 8382228 9002292 0 0 0 7295109 9153945 17373961 20357881 4581219 2254389 557690894 594268573 500537196 547430366 57153698 46838207 To operate a state chartered credit union to provide loan and deposit services for the benefit of its members. 0 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. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 93 0 1 112 1 1 1 0 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 NH X Jonathan Oglebay 6036458181 425 Hooksett Road Manchester NH 03104 Seth Wall Chair 1.00 X X 0 0 0 Gail Garceau Vice Chair 1.00 X X 0 0 0 Kate Luczko Secretary 1.00 X X 0 0 0 John J Gennetti Director 1.00 X 0 0 0 Eva L Martel Director 1.00 X 0 0 0 Patrick C McHugh Director 1.00 X 0 0 0 Nick Soggu Director 1.00 X 0 0 0 Maura Weston Director 1.00 X 0 0 0 Len Williams Director 1.00 X 0 0 0 Nathan D Saller President & CEO 45.00 X 437847 0 58127 Jonathan Oglebay SVP/CFO 45.00 X 174266 0 48976 Jeffrey R Benson SVP/COO 45.00 X 207801 0 69129 Nancy D Nadeau SVP/CAO 45.00 X 191935 0 114960 Lori Holmes VP/Marketing 45.00 X 150334 0 33610 Suzanne Beaubien VP/Retail Services 45.00 X 147415 0 35191 J Michael Perrella VP/Business Services 45.00 X 177337 0 36486 William Guilfoil VP/Residental Lending 45.00 X 140793 0 40425 William Zafirson SVP/CLO 45.00 X 204119 0 52172 1831847 0 489076 15 0 1 0 PSCU 560 Carillon Parkway St Petersburg FL 33716 Credit Card Services 858219 Q2 Software Inc PO Box 205970 Dallas TX 75320 Online Banking 545771 Upstart Networking 2950 S Delaware St Suite 300 San Mateo CA 94403 Personal Loans 536652 Financial Statement Services 3300 South Fairview Street Santa Ana CA 92704 Statement Printing/Mailing 190849 Information Management Solutions Inc 2397 NW Kings Blvd 251 Corvalis OR 97330 Backup/Disaster Recovery 168278 12 Interest Income 522100 16246121 16246121 Fee & Service Income 522100 3468676 3140976 327700 19714797 2518498 2518498 989023 610048 378975 378975 378975 22612270 19387097 327700 2897473 2201644 1303042 5627850 743916 876777 450707 69330 195303 363765 691587 72311 1501341 591735 30260 33967 1299980 861507 93453 Miscellaneous Expenses 1138195 Loan Servicing Expenses 902849 Operations Expense 900123 Provision for Loan Loss 408239 20357881 X 7849385 4695247 35363335 15194545 376447383 429407153 24556136 14645845 10288651 9910291 107875661 113288348 19866479 21772989 557690894 594268573 4290430 5821967 44574687 66999687 451672079 474608712 500537196 547430366 X 0 0 0 0 57153698 46838207 57153698 46838207 557690894 594268573 2254389 -12569880 0 X 0 1 X 1 0 3771502 3771502 10079585 5601398 4478187 10542034 9044447 1497587 163015 163015 9910291 Member Deposits 474608712 474608712 10042390 -12569880 -12569880 22612270 0 22612270 20357881 0 20357881 0 20357881 X X X X X 0 1 0 Nathan D Saller President & CEO 335207 0 95080 0 7560 0 25190 0 32937 0 495974 0 0 0 Nancy D Nadeau SVP/CAO 166023 0 23593 0 2319 0 93172 0 21788 0 306895 0 0 0 Jeffrey R Benson SVP/COO 182642 0 24331 0 828 0 67154 0 1975 0 276930 0 0 0 William Zafirson SVP/CLO 176991 0 24752 0 2376 0 27572 0 24600 0 256291 0 0 0 Jonathan Oglebay SVP/CFO 152090 0 21681 0 495 0 15978 0 32998 0 223242 0 0 0 J Michael Perrella VP/Business Services 131505 0 19047 0 26785 0 13898 0 22588 0 213823 0 18750 0 Lori Holmes VP/Marketing 130166 0 18386 0 1782 0 9683 0 23927 0 183944 0 0 0 Suzanne Beaubien VP/Retail Services 128448 0 17847 0 1120 0 22436 0 12755 0 182606 0 0 0 William Guilfoil VP/Residental Lending 102038 0 18228 0 20527 0 14010 0 26415 0 181218 0 0 0 Part I, Line 4b Jeffrey Benson, William Zafirson, Nancy Nadeau, Suzanne Beaubien, and J. Michael Perrella participated in the 457f plan. Form 990, Part VI, Section A, line 6 Entity is a credit union with 27,500 members. Form 990, Part VI, Section A, line 7a The members of BCCU elect members 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 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. 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. 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). Bellwether Insurance Services LLC 425 D W Highway Manchester NH 031042632 Financial Services NH 501(c)(14) Bellwether Community Credit Union 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0