2019-05-02T10:10:24-05:00 2018-12-31 010523282 Berry Dunn McNeil & Parker LLC 1000 Elm Street 4th Floor Manchester NH 03101 990 2018-01-01 020196520 Bellwether Community Credit Union BELL 6036458181 425 Hooksett Road Manchester NH 03104 Jonathan Oglebay CFO 6036458181 2019-04-30 1 Barbara J McGuan CPA P00219457 6036697337 2019-04-30 69.49.157.66 2019-04-30 10:04:49 ED P B6CABA93EC29A130F91389D5843EEEAA10181012 E86B87CE19A618452E7D988FD4F1BB89485416DA 2018 2019-02-21 02:37:17Z Jonathan Oglebay 425 Hooksett Road Manchester NH 03104 22085646 0 X www.bccu.org X 1921 NH Operate a state chartered credit union for the benefit of its members. 9 9 110 9 263514 98016 0 0 16731324 17921148 2913575 2943912 0 0 19644899 20865060 0 0 2885609 3643024 7415569 7158438 0 0 0 8042506 8887256 18343684 19688718 1301215 1176342 504412988 511843203 457140806 466047406 47272182 45795797 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 36,200 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 90 0 1 110 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 1 1 1 1 1 1 1 1 1 1 0 NH X Jonathan Oglebay 6036458181 425 Hooksett Road Manchester NH 03104 Patrick C McHugh Chair 1.00 X X 0 0 0 John J Gennetti Vice Chair 1.00 X X 0 0 0 Lisa M Thorne Secretary & Treasurer 1.00 X X 0 0 0 Morgan Smith Director 1.00 X 0 0 0 Gail Garceau Director 1.00 X 0 0 0 Eva L Martel Director 1.00 X 0 0 0 David C Anderson Director 1.00 X 0 0 0 Maura Weston Director 1.00 X 0 0 0 Seth Wall Director 1.00 X 0 0 0 Chris Williams Past Director 1.00 X 0 0 0 Michael A L'Ecuyer President & CEO 45.00 X 416795 0 39472 Jonathan Oglebay SVP/CFO 45.00 X 149033 0 37627 Nathan D Saller EVP/COO 45.00 X 212307 0 37179 Jeffrey R Benson SVP/CIO 45.00 X 188134 0 4042 Nancy D Nadeau SVP/CAO 45.00 X 164811 0 28891 Barbara H Lussier VP/Lending 45.00 X 162692 0 18482 Suzanne Beaubien VP/Retail Services 45.00 X 124569 0 19906 J Michael Perrella VP/Commercial Services 45.00 X 114000 0 28612 Leslie Gendron VP/Risk Management 45.00 X 110213 0 25501 1642554 0 239712 9 0 1 0 PSCU 560 Carillon Parkway St Petersburg FL 33716 Credit Card Vendor 735183 Q2 Software Inc PO Box 205970 Dallas TX 75320 Web 24 497580 Financial Statement Services Inc 3300 S Fairview St Santa Ana CA 92704 Producing/Mailing Statements 280065 Q2 Ebanking PO Box 678272 Dallas TX 75320 Electronic Banking 158531 Corelation 2878 Camino Del Rio South Suite 41 San Diego CA 92108 Core Vendor 144095 7 Interest Income 522100 15432214 15432214 Fee & Service Income 522100 2488934 2225420 263514 17921148 3295813 3295813 868685 1220586 -351901 -351901 -351901 20865060 17657634 263514 2943912 3643024 1278290 3924648 564402 1027246 363852 35513 125818 302614 330549 74431 1194808 665543 27704 43568 1456622 925506 89496 Provision for Loan Loss 1605284 Operations Expense 947578 Loan Servicing Expenses 556818 Miscellaneous Expenses 505404 19688718 X 4682127 3106695 4707203 6968610 350872617 356796987 23078861 11110385 12668559 11968476 115384570 115846569 16097912 17155866 504412988 511843203 4614638 5364758 91135000 86410000 361391168 374272648 457140806 466047406 X 0 0 0 0 47272182 45795797 47272182 45795797 504412988 511843203 1176342 -2652727 0 X 0 1 X 1 0 3772603 3772603 9744580 4289907 5454673 9548270 6820478 2727792 13408 13408 11968476 Member Deposits 374272648 374272648 18212333 -2652727 -2652727 20865060 0 20865060 19688718 0 19688718 0 19688718 X 0 1 0 Michael A L'Ecuyer President & CEO 353433 0 50357 0 13005 0 8907 0 30565 0 456267 0 0 0 Jonathan Oglebay SVP/CFO 132044 0 16567 0 422 0 7112 0 30515 0 186660 0 0 0 Nathan D Saller EVP/COO 160247 0 51720 0 340 0 8393 0 28786 0 249486 0 0 0 Jeffrey R Benson SVP/CIO 143515 0 43967 0 652 0 435 0 3607 0 192176 0 0 0 Nancy D Nadeau SVP/CAO 138017 0 25560 0 1234 0 7231 0 21660 0 193702 0 0 0 Barbara H Lussier VP/Lending 124924 0 36698 0 1070 0 6184 0 12298 0 181174 0 0 0 Part I, Line 4b Michael L'Ecuyer particpates in the 457f plan. 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. Form 990, Part VI, Section B, line 12c Each year every employee and board member is required to review BCCU's Conflict of Interest and Ethics Policy and document any potential conflicts. Our Conflict of Interest clearly identifies a conflict as occurring when an employee is in a position to influence a decision that may result in a personal gain for that employee/board member or a relative as a result of BCCU's business dealings. Covered persons are responsible for disclosing any potential or perceived conflicts of interest. In addition, all BCCU policies are reviewed and approved by the Board of Directors on an annual basis. Form 990, Part VI, Section B, line 15 Working with the SVP/CAO, the credit union's Personnel Committee (made up of members of BCCU's Board of Directors) is responsible for conducting annual performance reviews for the President/CEO. This process is completed by the Personnel Committee presenting their written assessment and salary recommendations to the Board of Directors for their input and approval. Once approved, a member of the Personnel Committee presents the information to the President/CEO and obtains required signatures. Documents are then submitted to Human Resources for processing. The CEO is responsible for completing formal reviews for all Executive Team members. This would include input from Human Resources on salary recommendations (depending on ratings). Form 990, Part VI, Section C, line 19 BCCU makes its documents available to the public by request with the exception of financial statements which are posted in each branch lobby. 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